"In a state like Texas where you don't have so many protections, Obamacare will cost more, because Obamacare includes protections like getting insured even if you have pre-existing conditions"
Protections means exactly what?
If insurance companies are forced to insure people with existing conditions to the point they can't make a profit, health insurance will no longer exist.
If the federal government subsidizes a plan that competes with the existing insurance companies, health insurance will no longer exist. It's not more competition. Private companies cannot compete with the government because the government does not have to operate at a profit to sustain itself.
If it is cheaper to pay the fine, and then get on the ACA plan after one gets sick, why would it suprise anyone when people do exactly that?
Can I ask you guys, seriously, if any one of you thought this (ACA) would make things less expensive or not have a negative effect on services (overall)? Add more insured (at least that was the goal, wink-wink), more compliance, more government employees to implement and monitor, with the number of Dr.s fixed or anticipated to decline, and tell me you seriously thought the cost would go down? We are well on our way to a more defined two tiered health care system.
I'm not a big fan of insurance companies BTW but I do want to keep them around, hundreds of them, every one of them bidding for my contract.