The Heritage Foundation criticizes the Affordable Care Act (ACA) for increasing health insurance premiums, limiting choices, and making insurance more expensive, particularly in the individual market. They argue that the law's regulations and mandates have caused sticker shock and pushed more Americans onto government-run health programs. Additionally, the Heritage Foundation contends that the ACA restricts market competition by preventing insurance sales across state lines and limiting options like health savings accounts.
Specific criticisms include:
- Increased costs: The Foundation claims that ACA regulations led to a significant increase in average monthly premiums, which more than doubled in many states between 2013 and 2019.
- Reduced choice: The ACA is criticized for limiting health plan options and restricting physician networks, despite the creation of insurance exchanges.
- Government expansion: The Heritage Foundation argues that the ACA has made more Americans dependent on government-run health programs.
- Stifled competition: The law is seen as preventing the free market from lowering costs through measures like selling insurance across state lines, which is a restriction they say the ACA did not allow.
- Flawed design: The Foundation believes the ACA's problems are due to its fundamental design, including excessive subsidies, mandates, and rating rules that increase costs. - Google