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View Diary: What the Obamacare fix does, and how it could be better (143 comments)

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  •  Is it up to the insurer to decide? (1+ / 0-)
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    I believe that it is up to the insurer to decide what policies to continue to offer, but does anyone have a clear read on this point?

    •  Yes, extending these plans (4+ / 0-)
      Recommended by:
      Egalitare, Pluto, Yoshimi, ArcticStones

      would be voluntary. Landrieu would compel them to do it. But Landrieu is forever, this fix just one year.

      "The NSA’s capability at any time could be turned around on the American people, and no American would have any privacy left, such is the capability to monitor everything. [...] There would be no place to hide."--Frank Church

      by Joan McCarter on Thu Nov 14, 2013 at 10:04:11 AM PST

      [ Parent ]

      •  Thanks (4+ / 0-)
        Recommended by:
        Dem Beans, DRo, tardis10, hmi

        The next questions are in the details. For instance, is it an all or nothing situation? In other words, must an insurer offer a particular grandfathered policy to all currently enrolled customers, or can it pick and choose which customers are allowed to extend their enrollment?
        How quickly will insurers make their decisions, and will it mess up people's decision-making process? For instance, my wife's old BC policy was discontinued, so she completed an application is ready to enroll tomorrow with a new insurer, so her new policy kicks in December 1st. With today's announcement, should she wait to find out if BC will decide to offer the old policy?
        I fear seat-of-the-pants fixes like today's only add more questions and confusion. I guess it'll get worse before it gets better, right?

        •  Why didn't your wife shop the Exchange? (0+ / 0-)

          She's going to end up there next year, anyway.

          "A strange game. The only winning move is not to play."
                  -- Joshua, aka WOPR (War Operation Plan Response) automated nuclear-launch super-computer. "War Games," 1983.

          by Pluto on Thu Nov 14, 2013 at 10:38:22 AM PST

          [ Parent ]

        •  from what I read (0+ / 0-)

          they could extend all policies in force by Oct 1, 2013 and those that come up for renewal bet Jan 1 - Oct 31 2014 for one year to those already covered by the policies.  I really don't think insurers will take them up on the ones they've already sent cancellation notices to.

          Also, did you check to see if that same policy your wife wants to enroll in is available on the exchange?  I have read people saying they found the same one the insurer was offering on the exchange for a lower premium.

    •  It's always been up to the insurer to decide (1+ / 0-)
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      Insurers could have renewed ANY policy before Jan 1 2014, regardless of whether it was ACA-compliant or not; the regulations only take effect on renewals or new sales after Jan 1 2014. In fact, some insurers have been trying to "early-renew" customers who were in profitable but non-compliant policies prior to the regs taking effect.  

      Anyone who had their policy cancelled in the past few months, had it cancelled because the insurer wanted to cancel it. No other reason.  

      This fix doesn't actually change anything. (unless it somehow lets the companies continue to sell new non-compliant policies?  Not clear from what I've read so far.)

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