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Originally Posted by AmeliaG
I could be mistaken in how closely MAGI maps to net, but I'd need to see an explanation of how.
How does having a health insurance plan selected via CoveredCalifornia help me get healthcare? In what way is that better than paying the person actually providing the healthcare?
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You are still 100% free to pay your doctor straight out of your pocket. Obamacare does not prevent you from finding a new doctor and paying him direct cash for your healthcare.
The reason many people prefer health insurance versus paying direct cash is so that if a serious health problem occurs, they don't need to pay all the cash up front at that very moment. That can be very expensive. Rather, they can rely on the insurance to pay the doctor.
But like I said, if you prefer to pay direct cash to your doctor every time you visit him/her, you are still free to do that. No one is preventing you from doing that.