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Under no circumstances would I advise her to go without insurance for 6 months with the hope of getting into AccessTN. In addition to the obvious financial risk she would face should something bad happen, by going without insurance for more than 60 days, she would lose her HIPAA eligibility. Then, if AccessTN closed or was full, she might find herself never able to get insurance.
Are you sure about that "going without insurance for 6 months" to get into AccessTN? Many (if not most) states which have a guaranteed-issue insurance may have waiting periods for pre-existing conditions (which can often be waived if HIPAA eligible), but the idea of encouraging someone to go without insurance to get access amazes me.
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I'd rather be governed by the first one hundred names in the telephone book than the Harvard faculty - William F. Buckley
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