>>>I just got my insurance quote:
>>>57% premium increase
>>>Double the co-pay if we want to continue with our same doctor.
>>>Reduction in many benefits from 80% to 50%
>>>"Designated Network" vs "Network" - NOT Defined anywhere what the difference is, but one pays a lot worse.
>
>Obviously nobody else can comment on your anecdote, but is this via the exchange or private?

Not an anecdote - those are facts.

>If private, then you are describing the inevitable trajectory of the old system. Definitely I'd take a look in the exchange to see how the new system is supposed to help you.

The exchange idea is puzzling.
There are 2 ideas I just can't quite understand, maybe you can explain it to me.

1. I am middle class, so.. I am supposed to get subsidies? Who pays for that?

2. Having a government bureaucracy between me and the insurance company somehow makes healthcare more efficient or cheaper somehow?

I am confused - please help.