Bronze plan is shitty catastrophic insurance at like 5x the actuarial cost to try to fund risk pool and all the mandated benefits thst the o/p alluded to
Off the top of my head maternity/neonatal/family planning type of benefits are mandatory for obamacare compliant plans. That essentially outlawed all the affordable young adult catastrophic plans.
What you're, essentially, advocating for is a massive increase in premiums for families so that people without children can get a tax cut. Which would objectively benefit me, but would be incredibly disastrous for American society in general which is already struggling with insane family care costs. I would really hope you could see why the second order effects on such a change would be a bad idea.
I have spent some time looking at healthcare costs, but I have not seen maternity/neonatal/family planning as a significant driver of costs. It would be surprising if so, given falling birthrates and growth in the elderly population.
