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Current Events & Hot Topics Current Events & Hot Topics

Latest ObamaCare surprise: Most won't be able to buy health insurance until end of year

Posted by on Apr. 9, 2014 at 8:24 AM
  • 67 Replies


There is yet another ObamaCare surprise waiting for consumers: from now until the next open enrollment at the end of this year, most people will simply not be able to buy any health insurance at all, even outside the exchanges.

"It's all closed down. You cannot buy a policy that is a qualified policy for the purpose of the ACA (the Affordable Care Act) until next year on January 1," says John DiVito, president of Flexbenefit which has 2,500 brokers.

John Goodman of the National Center for Policy Analysis in Dallas adds, "People are not going to be able to buy individual and family policies, and that's part of ObamaCare. And what makes it so surprising is the whole point of ObamaCare was to encourage people to get insurance, and now the market has been completely closed down for the next seven months."

That means that with few exceptions, tens of millions of people will be locked out of the health insurance market for the rest of this year.

Only about one in four subsidy-eligible people signed up for health insurance," says Robert Laszewski of Health Policy Associates. "That means about 13 million subsidy-eligible people have not yet signed up for health insurance."

Add to that millions more who waited, or thought the policies under ObamaCare were too expensive and decided just to pay the tax penalty.

Although those who failed to buy insurance during the enrollment period could face a government penalty, most will not have to pay that penalty until they do their taxes next year.

“In all likelihood," says Laszewski, "we've only signed up somewhere between one in five and one in seven people who were uninsured prior to the start of ObamaCare."

That means millions are left outside the health insurance market. There is short term insurance, but anyone with a pre-existing condition can be turned down.

The reason sales of health insurance were crammed into short enrollment periods was so insurance companies would have some certainty about who would be in the risk pool, allowing them to set their rates accordingly.

Goodman explains, "they fear that the only people who will try to buy are people who are sick, and they are going to be expensive. So it’s built into the screwy logic of the whole ObamaCare system."

DiVito puts it this way: "So can you imagine that on July 1, an indvidual's walking down the street, they get hit by a car, the ambulance comes and picks them up and inside that ambulance is an insurance salesman selling them a policy. That is exactly what the insurance industry was trying to avoid."

There is one way consumers can still sign up, but only under limited circumstances.

"If you have a qualifying event, a life qualifying event, which means you get married, you get divorced, you get fired from your job" says Goodman. Or you have a child, or lose a spouse or have a change in income.

"It has to be one of those kinds of events,” he adds. “And if you don’t have that, you're not going to be able to buy insurance."

Barring any of those so-called life events, tens of millions will remain uninsured and won't be able to buy health insurance, no matter how hard they try.

 source

by on Apr. 9, 2014 at 8:24 AM
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Replies (1-10):
billsfan1104
by Jules on Apr. 9, 2014 at 8:40 AM
3 moms liked this
This is a cluster fuck.
While I agree with some parts of Omabacare, I believe that it was rolled out way too fast.
His administration are fucking with people's lives right now, and it needs to stop.
VooDooB
by Platinum Member on Apr. 9, 2014 at 8:48 AM
2 moms liked this

I concur. This was pushed on the people too soon with little information.


Quoting billsfan1104: This is a cluster fuck. While I agree with some parts of Omabacare, I believe that it was rolled out way too fast. His administration are fucking with people's lives right now, and it needs to stop.


"Hang on, let me send a PM to Jesus so he can join this name calling ignorance ...he's into that these days ...at least according to his peeps."
- sak

LauraKW
by "Dude!" on Apr. 9, 2014 at 8:48 AM
2 moms liked this
That is not true. Ever. Anyone can get insurance at any time. The rates and deductibles will probably suck but there isn't a national cut off or lock out for enrollment.

*edit to add

So it appears the article was referring only to the ACA Exchanges. I was referring to the American insurance industry as a whole.
PurdueMom
by Sherri on Apr. 9, 2014 at 8:57 AM
4 moms liked this

How is this a surprise?  Jeesh.  They did everything they could short of beating people over the head to sign up before the deadline...and now Fox News is telling you the deadline was a surprise?  Do you not see how you are being manipulated?

PurdueMom
by Sherri on Apr. 9, 2014 at 8:59 AM
2 moms liked this

There are circumstances where you can still sign up.  Please stop reading Fox News and educate yourselves.

lga1965
by on Apr. 9, 2014 at 9:12 AM
There are no words that can express how I feel about this Faux News post. I'm amused though.
On.to another thread that will be more intelligent and factually correct. It is obviously not going to be here.
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Karmahappens
by Bronze Member on Apr. 9, 2014 at 9:14 AM
2 moms liked this

Every one had SIX  MONTHS to sign up.  If you lose your job-you can sign up. If your income changes-you can sign up-if you get divorced or married or have a kid-you can sign up.

IF they allowed you to sign up anytime-no one would sign up until they NEEDED insurance-haven't you seen some of the morons on here who are going to self pay if they get cancer or break a bone or have a heart attack? Allow them to sign up anytime and they would be signing up the day after a heart attack. The only way to stop that would be to go back to no pre exisiting conditions-and no one really wants that...

So you have to control it the way employers always did-with open enrollment periods. Nothing new about that.

PurdueMom
by Sherri on Apr. 9, 2014 at 10:18 AM
2 moms liked this

Regarding your Nancy Pelosi reference below, do you understand we have a bicameral legislature, wherein House versions and Senate versions have to be reconciled?  Nancy was referring to reconciliation.  Simple high school civics.  Twisting someone's words to make a point invalidates one's argument.

This bill was based upon the Republican plan from the Clinton era and the Massachusetts bill currently in place.  There was plenty of time to learn about this bill and plenty of discussion - unless one was too focused on the other distractions from the Right like birth certificates, Kenya, Planned Parenthood abortion mills, and Obama's communist plans to indoctrinate our school children into fascist socialism.  


Quoting VooDooB:

I concur. This was pushed on the people too soon with little information.


Quoting billsfan1104: This is a cluster fuck. While I agree with some parts of Omabacare, I believe that it was rolled out way too fast. His administration are fucking with people's lives right now, and it needs to stop.


Sherri

KittyLicking.gif picture by wer4pu
supermonstermom
by on Apr. 9, 2014 at 10:24 AM

I am usually against government anything.. but..  we need univeral single payer health care.  Hopefully when this collapses next year when premiums double and triple to cover costs, more people will agree. 

I doubt enough younger healthy people signed up, and will pay the measly penalty.  I would bet the bulk of people who signed up have health issues or are older.

AtillaTheHun
by Member on Apr. 9, 2014 at 10:27 AM
I was thinking the same thing.

Quoting PurdueMom:

How is this a surprise?  Jeesh.  They did everything they could short of beating people over the head to sign up before the deadline...and now Fox News is telling you the deadline was a surprise?  Do you not see how you are being manipulated?

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