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Politics : View from the Center and Left -- Ignore unavailable to you. Want to Upgrade?

To: Sam who wrote (236105)	10/29/2013 9:46:30 AM
From: Alex MG	Read Replies (1) \| Respond to of 542787

These are "junk" insurance plans that some are being forced out of... so I don't see the "problem" consumerreports.org It might seem to be health insurance, if you don’t look too closely, and most people don’t. The premiums are surprisingly affordable. And so millions of unemployed people, service industry workers, and those taken in by fast-talking telemarketers sign up. They may think they’re insured—until they have a medical problem and find out that their coverage is as skimpy as a hospital gown. The Affordable Care Act was supposed to usher in a new era of consumer-friendly health care. For instance, insurers are no longer allowed to put outrageously low limits on the amount they pay out for medical care in a year or lifetime. While millions of Americans have benefited from that and other reforms, many are still prey to the kind of skimpy “junk” plans the new law was designed to eliminate. Some plans, known as mini-meds, are operated by employers and brand-name insurance companies with special dispensation from the federal government. Others, such as health discount cards and fixed benefit indemnity plans, from companies you’ve probably never heard of, are so meager that regulators don’t consider them to be health insurance at all—though that’s frequently not clear to consumers. And some of the companies operate one step ahead of the law. youtube.com

To: Sam who wrote (236105)	10/29/2013 10:16:21 AM
From: neolib	Read Replies (2) \| Respond to of 542787

That is exactly the case I'm in and its what I was posting about. However, there is an additional wrinkle. The policies are not in fact illegal under ACA. If you had one prior to 2010 you are grandfathered. With one major problem. ACA allowed the insurance co. to keep the grandfathered plans, but didn't require them to. It was their discretion. So my insurance co seems to have chosen to terminate them all. Why not, it was in their interest to do so. So ACA became an opportunity to terminate a lot of policies under the guise of "the government made us do it", when in fact that is not the case. But the government did ALLOW them to do so, which IMHO is a bit criminal anyway. TWT how this plays out, but I suspect it is going to be a major problem, because it is tied to the "You can keep your policy" statement made by Obama. That will be his "Mission Accomplished" albatross before this is all over.