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Ever hear of temporary health insurance? — 17 Comments

  1. “Somehow the government decreed–even years ago, before Obamacare–that there needed to be rules to “protect” people from this sort of thing.”

    I get a tingle up the leg whenever I think about government protecting me from myself.

  2. I’ve been ‘informed’ that I’m in — I’m out — I’m in another program — and then I’m back in the original program — depending on the date.

    That’s the California way.

    BTW, the ‘system’ is hiring like mad to staff up for the flood. So, if you’re a new entrant, expect to see fresh bodies everywhere in the ‘system.’

    Said ‘system’ appears to be totally broken.

  3. Somewhat related to your post is something I’ve also wondered about. Why have insurance companies not offered bare bones, high deductible policies for young and relatively young people that do not meet ACA requirements but would be cheaper even with the penalty. Throw in sales across state lines and many people would be well served.

    Are such policies already available? Are the insurance companies afraid of pissing Obama off?

  4. “Are the insurance companies afraid of pissing Obama off?”

    Yes, they are afraid… afraid of the messiah, the IRS, the NSA, and DHS. It is so ironic that the leftists who perpetually whine about a police state when repubs are in charge are in fact the cheerleaders for a police state.

  5. He is frantic the way thieves are frantic.

    The people who supported Obamacare know they are stealing from others. They want to do the deal before it changes.

  6. Nelson is an ass. No insurance x 4 years, 62 years old, holds a ‘natural sciences’ PhD. Where do the literati find such folk for their writeups? With want ads? Where does he work? In academia or at a grubby for-profit, he’d have been covered these past four years, his economically most-productive years. It is possible he “consults” or is otherwise semi- or un-employed. I have a sneaking suspicion he tilts Left.

    Why does he not find, or at least seek direction to an Exchange Navigator? Why is he stuck on stupid?

  7. OK, now I read the story. He was a part-timer at Cal State San Luis Obispo, basically a contract prof without any renewal clause. He subsists at the pleasure of the Cal State administrators. Implicitly, he didn’t make it a long time ago, when he could have achieved tenure.

  8. The insurance companies aren’t allowed to offer plans to the youths, because they have to provide for maternity leave, contraception, abortion, hip replacement, you know the works.

    But Obama’s Full Gold coverage does that. But that’s only for the elites. The poor get to have what is left. Trickle down effect.

  9. I hadn’t heard of it either, but the current issue of Weekly Standard informed me of its existence. Also, that temporary insurance was NOT affected by ObamaCare, so it can still be purchased (in those States that permit it) by anyone. However, it does not meet ObamaCare standards, so the ObamaCare penalty/tax would have to be paid in addition to the premiums. (Still a better deal.) (You may have to be subscribed to read the article on-line: http://www.weeklystandard.com/articles/escape-obamacare_771532.html

  10. Y. said “The insurance companies aren’t allowed to offer plans to the youths, because they have to provide for maternity leave, contraception, abortion, hip replacement, you know the works.”

    I get the impression that restrictions apply to the individual buying or the company buying for employees. I seems that insurance companies can sell what they wish, but the buyer may pay a penalty. In the case of a low income young person the penalty can be as little as $95. That is why I wondered why insurance companies would no jump into that market.

  11. Why the newspapers seem to be keeping mum about this option I’m not sure, but my guess is that they either are unaware of it too, or they are reluctant to say anything that would lessen people’s motivation to buy Obamacare ASAP.

    I’ll bet there’s some Obamacare boosterism going on, but I’m often appalled at the astonishingly low-quality reporting that newspapers serve up. Frequently a story will state something that makes no sense whatsoever, thus raising an obvious question that would clarify matters. But it never occurs to the genius who wrote the story to provide the one piece of vital information to make sense of the damn thing.

    In this case you ask a question that is only semi-obvious: why don’t people just buy temporary insurance until things settle down a bit? Given that newspapers often fail to address blatantly obvious things, I’m not at all surprised that they didn’t think to address the above question–which was not 150%, totally smack-you-in-the-face obvious.

  12. Prob with temp coverage.

    Pre-existing issues are not covered.
    Still useful, but not a full answer.

  13. Richard Aubrey:

    Yes, I made that clear in the post.

    I also said that it does not exempt a person from the Obamacare penalty. However, the penalty doesn’t kick in till after March 31, 2014. The entire idea of this post is that if a person doesn’t have pre-existing conditions it is a good stopgap measure to take away the frenzy of having to get regular coverage right away.

  14. I checked a Bronze plan in MD for my wife and I. $337 per month with a $6K deductible for she and I and a $12K family deductible. All out of pocket until the deductible was met. Sounds like one of those evil catastrophic plans people once wanted and liked.
    We have only once, I believe, ever hit the deductible limit on our original Aetna policy and that was a $1000 per person and $2000 per family even when we had 4 kids at home. So we wanted catastrophic coverage for reduced premiums after the kids left home but couldn’t get it though our employer and chose to say with our employers policy for health insurance security, not trusting government regulation/insurance changes without the possible intervention and protection of our employer. Well that didn’t work out too well in the long run, did it.
    I never thought I would say this but we fortunately escaped to Medicare just before this Obamacare disaster hit Americans.
    My attending rallies, writing letters and speaking to people to do the same, never made a dent in this program.
    I didn’t trust government before, but now I know it doesn’t represent the people; just those who want something for nothing with other people’s money paying and who are willing to vote to keep that largess coming.

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