Comment by hardcandy

I just priced out a (non ACA) catastrophic insurance policy with roughly the same deductible as my ACA plan. It came in at $75/mo versus the low $300/mo for what I pay for my ACA plan. I assume this reflects the fact that I am being risk pooled with other non smoking healthy mid 30s males without any pre-existing conditions. By ''fraud'' I meant that I feel like I am being charged too much for too little, and those price points would support that. Of course it's happening in the context of a subsidy that society has determined it wants to create as discussed elsewhere.