No, all those benefits aren’t essential for everyone
Regarding the editorial “Some benefits are essential” (March 27, p. 40) I respect the thoughtful column, however do not agree that all policies must contain all of those essential benefits. There are individuals who are educated and reasonably well-funded enough to know whether or not they need prescription coverage, maternity, mental health or substance-abuse care services. Purchasing a plan without those benefits used to keep the premiums down. I understand about pooling the risks, but I think the ability to purchase a plan that excludes these items for off-exchange buyers should be possible without penalty.
Nan Mulhollan Malvern, Pa.