No time to address everything.
Mind there is no cap for policy premiums - JUST AS THERE IS NONE IN THE ACA.
http://www.towerswat...yers-health-plans
The PPACA also tries to make premiums more affordable to enrollees in exchanges. Individuals with family incomes between 100% and 400% of the poverty level will be eligible for sliding-scale tax credits that cap the premium for a silver plan at 2% to 9.5% of family income.4 Those with incomes between 100% and 250% of the poverty level are also eligible for cost-sharing subsidies that raise the actuarial value of a silver plan to 73% to 94%, depending on income. At all income levels, the premium for the most expensive age group is limited to three times the premium for the least expensive age group within a given plan, which will likely reduce premiums for older people.5 Premiums may not vary by personal claims history or health status.
Read the rest for more of the details. There are many cost-containment features in the PPACA and there's no reason to think they won't work - http://kff.org/healt...ealth-spending-2/
Changes coming under the ACA could also affect these trends significantly. Increases in coverage will induce a modest, one-time bump of a couple percent in spending as people who were previously uninsured get insurance and better access to health services. This will likely coincide with an expected economic recovery, so higher growth rates in health spending due to that recovery should not be attributed to the ACA simply because of the coincidental timing.
On the other side of the ledger, the bulk of the Medicare savings included in the ACA  primarily achieved through smaller increases in payments to providers  have yet to be realized and will lower the future growth in spending in that program. Changes in the delivery system  through accountable care organizations (ACOs) and bundled payments to providers  may also yield results and help to keep Âexcess health costs down in public programs, as well as in private insurance. In addition, the ACAÂs tax on high cost, ÂCadillac employer-sponsored health plans, scheduled to take effect in 2018, is expected to trim the cost of benefits and could lead to lower overall health spending as well.
Yeah, it's possible to get insurance with pre-existing conditions. But how many people didn't because they couldn't afford it, didn't want to start a business, didn't qualify for Medicaid, etc., etc. http://www.webmd.com...ve-health-problem
The Federal government will build exchanges for states that don't. https://www.healthca...ce/#state=indiana
Health Insurance Marketplace in Indiana
If you live in Indiana, youÂll use this website, HealthCare.gov, to apply for coverage, compare plans, and enroll. You can apply as early as October 1, 2013. Learn more about the Marketplace and how you can get ready.
48 days! Don't be late!!!11
FWIW. HTH.
Cheers,
Scott.