Since “children”, will be allowed to stay on their parents plan until they are 26, and once they turn 30, they will be forced into their own plan with a maximum deductible of $2,000, there is only a very narrow band of people (between age 26 and 30), that will be permitted a purchase a catastrophic plan under very strict conditions. Also, the health bill only allows a 3:1 ratio between the youngest insured and the oldest insured, while in some states right now, it may be 10:1. This means that right now, insurers can give a 90% discount, and soon they will only be able to give a 67% discount. Therefor, health premiums will increase the most for young people.
Therefore, I disagree with the conclusion of this article.
Right now a 26 year old in California can get a health plan costing only $68 a month with a $3,000 deductible. This article says that a health plan with a $5,950 deductible will cost $138 per month.
I think people will pay the fine of $695 per year, rather than pay $1,656 per year for a policy with a $6,000 deductible.
Since you can go to MediBid to get reasonable cash prices for care, this will be more cost effective.