Puchasing own Health Insuarance

A new report estimates that U.S. consumers who purchase their own health insurance saved $2.1 billion last year due to tougher rules in the federal healthcare law.

Thursday's report by the nonpartisan Kaiser Family Foundation estimates that individual premiums would have been $1.9 billion higher in 2012 without the requirements in the federal Affordable Care Act. In addition, the nonprofit group said individual policyholders nationwide should receive $241 million in rebates this summer.
Insurers must issue rebates to individuals and small businesses if they don't spend at least 80% of their annual premiums on medical care

obamacare Mandate Insurance

When you mandate insurance, pretty much everybody gets insurance

Even before the mandate took effect in 2007, only 8% of Massachusetts residents went without insurance -- half the national figure today. The mandate, along with subsidies that make policies more affordable, has brought the Massachusetts uninsured rate down to 3%, the lowest in the country.

Now that firms with 11 or more workers are on the hook for insurance, small-business employees are less likely to go without. More low-income workers are covered. And the hard-to-persuade healthy 18-to-34 crowd has been brought into the fold: Only 6% of these "young invincibles" lack insurance today, according to the state's Center for Health Information and Analysis (CHIA), down from 18% pre-reform.

Some joined a parent's policy -- under Romneycare, as with Obamacare, you have that right until age 26. Others accepted workplace coverage they might have otherwise skipped, sometimes to everyone's benefit