It’s even worse than a jammed website, canceled policies, and rising policy prices. The policies may also not be what they seem.
In the first place, exchange policies typically restrict the hospitals and doctors you can use. In New Hampshire, for example, 10 of the state’s 26 hospitals are excluded from exchange policies and this takes out all the doctors affiliated with those hospitals as well.
That’s bad enough, but there is worse. In many of the policies, doctors will be paid significantly less than what private insurance has previously paid or that would be paid in other private policies sold outside the exchanges. This means that if you lose your doctor because he or she is no longer included in the policy coverage, you will not only find your doctor choices limited. You may also find that the doctors who are included don’t want your business.