Insurance, including health insurance, works on the same principle. It is designed to protect people against unforeseen events in the future. It is designed to protect a person against the costs of those events, such as health care costs. People purchase insurance and all the premiums are pooled together to pay for others who use the insurance more than they do. For example a healthy person buys health insurance. The money they pay in premiums goes to cover their care when they need it, and to cover the care of the person that utilizes medical services more often.
This is the nature of all insurance and has been since the very first insurance policy was created. The Patient Protection and Affordable Care Act did nothing to change this simple principle.
What also hasn’t changed is that the more benefits that are offered the higher the premiums health insurance companies tend to charge to consumers. More benefits equals more potential for consumers to use those services, and some are more costly than others. That in turn increases the cost to the health insurance company. It is up to the health insurance company, and the provider to negotiate fees that they are willing to accept in order to lower premiums, or cut out benefits.
The health insurance commission in each state then approves or disapproves plans and rate increases submitted by the Health Insurance companies.
Health insurance companies could deny coverage for office visits and procedures before the Affordable Care Act, and they can do so after the law fully goes into effect.
Can a health care provider have a different rate for non-insurance, insurance, Medicaid, and Medicare patients? Yes. That also has not changed.
Affordable Care Act: The Exchanges (https://roseylinn.wordpress.com/2013/11/23/affordable-care-act-the-exchanges/)
Affordable Care Act (https://roseylinn.wordpress.com/2013/10/11/affordable-care-act/)
ObamaCare is not health care (https://roseylinn.wordpress.com/2013/09/09/obamacare-is-not-healthcare/)
Two videos that discuss health care in America (https://roseylinn.wordpress.com/2013/11/08/two-videos-that-discuss-health-care-in-america/)
Health Care is not the same as Health Insurance (https://roseylinn.wordpress.com/2012/09/06/health-care-is-not-the-same-as-health-insurance/)