New Blue Cross Idaho proposal

[socca]

It's rare to read in the popular press about the plight of median-income self-employed folks under the ACA. Blue Cross of Idaho is one of the rare major insurers acknowledging our plight, and trying to do something about it, as the following article describes:

Blue Cross of Idaho Non-Obamacare plan proposal

Enjoy!

 

[walkinwood]

Check out medically-underwritten short-term plans (google it!) These aren't appropriate for everyone, but then, neither is the ACA. After DHHS complies with Trump's executive order, 'short-term' will return to meaning 364 days from the current 3 months.

It's rare to read in the popular press about the plight of median-income self-employed folks under the ACA. Blue Cross of Idaho is one of the rare major insurers acknowledging our plight, and trying to do something about it, as the following article describes:

Blue Cross of Idaho Non-Obamacare plan proposal

Enjoy!

From the link above

If someone applies for a state-based plan, Blue Cross will be allowed to look at the customer’s medical history, require them to fill out a questionnaire about their health, and charge them more if they’re deemed likely to need medical care.

We're back to the old. Health Insurance is affordable if you don't need it. As soon as you do, you're screwed.

 

[CaliforniaMan]

From the link above

We're back to the old. Health Insurance is affordable if you don't need it. As soon as you do, you're screwed.

The sad fact is that for many older people their medical care is just too expensive for reasonable premiums to cover. Better to get rid of them, insure the young. And if you are young, better stay young, because you are screwed when you get old. Why do we keep trying the same things expecting different results?

 

[Bamaman]

Almost makes one glad to hit 65 years old and get on Medicare.

 

[pb4uski]

From the link above

We're back to the old. Health Insurance is affordable if you don't need it. As soon as you do, you're screwed.

Not really... as if they don't like the underwritten price they can always go buy an ACA plan.

 

[growing_older]

Not really... as if they don't like the underwritten price they can always go buy an ACA plan.

But having siphoned off anyone who did qualify for the "young healthy" insurance, the ACA risk pool will need to be priced higher, too.

 

[Mr._Graybeard]

But having siphoned off anyone who did qualify for the "young healthy" insurance, the ACA risk pool will need to be priced higher, too.

I believe a broad premium increase would result in a higher IRS subsidy rate. Certain actions in Washington resulted in a big bump in premiums this year, but ACA subsidies also rose.

 

[GTFan]

I'm not sure that these non-ACA compliant plans will fly, legally. They will certainly be challenged in court.

 

[MBSC]

HHS has published a proposed rule allowing non-compliant Short-Term Medical (STM) plans to return to 364 days duration. They are currently limited to 3 months.

STM Proposed Rule: https://s3.amazonaws.com/public-inspection.federalregister.gov/2018-03208.pdf

 

[joeea]

And if you are young, better stay young

I never knew that was an option!
Now they tell me...

 

[joeea]

Certain actions in Washington resulted in a big bump in premiums this year, but ACA subsidies also rose.

In some states (like mine) they did.

 

[GTFan]

HHS denies Idaho's attempts to end-run the ACA: http://www.early-retirement.org/forums/f38/pre-existing-conditions-91010.html#post2023063

 

[Dtail]

Almost makes one glad to hit 65 years old and get on Medicare.

Interesting thought. Got 7 years to go, but was thinking this thought as wondering if ACA will survive 7 more years.