Originally Posted by jackjone

Thank you very much for your comment. Yes, they are very valid points you have made.

I am familiar with The Marketplace, the Affordable Care Act, co-payments etc.

There have been some positive changes, HealthCare.Gov state:

"All Marketplace plans must cover treatment for pre-existing medical conditions.

No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.

Once you’re enrolled, the plan can’t deny you coverage or raise your rates based only on your health.

Medicaid and the Children's Health Insurance Program (CHIP) also can't refuse to cover you or charge you more because of your pre-existing condition."

I have no doubt you already know this given your insight above but I will mention it anyway in case anyone else finds this discussion interesting.The amount you pay is based on income as subsidies are given to make availability of healthcare more affordable (or you can opt out and pay a penalty).

I had a friend in the US who became extremely ill, he could not afford medical insurance/expenses yet all of his medical needs were met. The bill was written off. His house wasn't used as collateral as it was his primary residence. There are people who slip through the net in one way or another in both the US and Britain, there are positives and negatives to both. It shouldn't be this way, it is a sad fact it is.

UK and US passports are classed as two of the most powerful passports in world' and I hold both. I know how lucky I am to have the option to live in either country and I of course will take advantage of this.

Can I assume your brother-in-law enjoys the American lifestyle given he made an informed decision to live and work there. It would be interesting to know which country he would prefer to remain in on a permanent basis if he had to make that choice.

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I am no more opinionated than many others in this forum covering many topics, I have been polite all the way through. I have responded nicely to people even though there are the odd one or two who seem to be quite rude (with the exception of one who used a derogatory term and you are already aware of this.)

I did not realise it wasn't appropriate to use exclamation marks so I will leave them out in future. It is simply a habit of mine and I will try and become more aware of when I use them. I seem to have upset you in some way, it is not my intention. Please try and remain calm, it really isn't good for you. Take a deep breath, in, out, in, out.. Does that feel better.

Have a great day.