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View Diary: Rules finalized for the good stuff in Obamacare (106 comments)

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  •  Here is the actual rule... (1+ / 0-)
    Recommended by:

    CMS Insurance Rule Text

    The applicable section starts on page 38.

    As close as I can tell, 'nearly all' deals with 'closed products' and policies sold through 'associations'. I quit trying to penetrate the government-ese in the document when I got a headache.

    Most of the comments dealing with guaranteed issue had to do with open enrollment periods and measures to combat cheating (waiting to get sick before getting insurance) and the 'adverse selection' effect that causes..... adverse selection is the reason for the individual mandate: if people can wait until they get sick, only people with health problems will get insurance right away, driving costs way up.

    Of course, the 'fine' - oh, excuse me Chief Justice Roberts!!@! um, TAX - in the first year is going to be $95 (for the whole year), so that isn't going to drive a whole lot of people into getting insurance, is it?


    Against stupidity the gods themselves contend in vain. Friedrich Schiller

    by databob on Fri Feb 22, 2013 at 02:44:42 PM PST

    [ Parent ]

    •  Americans? (0+ / 0-)
      Guaranteed Availability
      Nearly all health insurance companies offering coverage to individuals and employers will be required to sell health insurance policies to all consumers. No one can be denied health insurance because they have or had an illness.
      I tried reading the fine print but could not tell if insurance companies have to (a) offer plans to green card holders, other visa holders and undocumented immigrants as well, and if so (b) do they have to offer it on the same terms as Americans citizens?

      Any help appreciated ... obviously, I have friends and relatives that would benefit (or not).

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