Guest Post by Duane Norman
Sometime in 2011 I realized that it was a better deal for me to deal directly with a health insurance company and purchase my own plan. As a thirty-something healthy male, I don’t use my health insurance often. My employer’s plan was expensive, and had coverage I didn’t really need. I ended up saving a couple hundred bucks a month. The best part about the insurance plan? It was ACA compliant, so it wasn’t susceptible to cancellation when the insurance exchanges rolled out in 2014.
I spoke with many friends and acquaintances, mostly young males, whohad their plans axed that year. The policies were very similar to mine in every aspect; coverage, deductible, and premium, and their new plans were sometimes over triple the price. President Obama, ignorant of how his own insurance reform worked, initially blamed “bad apple” insurers for cancellations. As owners of cancelled policies became more vocal about not just their cancellations, but the higher rates of new plans,Obama was forced to apologize for lying to Americans about being able to keep their health plans. So after the rollout, I constantly wondered to myself… given my comparably low premiums, why hasn’t MY Plan been cancelled yet? Only recently did I realize the truth.
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