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Health insurance nightmare

1 10 January 3, 2019 at 11:19 PM
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Last Edited by IndigoMeal6844 January 3, 2019 at 11:26 PM
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I canceled my ACA coverage on Dec 31 thinking I'll be going with short-term insurance going forward, but unfortunately I don't qualify for short-term due to chest pain I had 3 years ago (that ended up being nothing). Now I can't get the ACA plan back because we're not in the "enrollment period"

What's the best option as far as getting health insurance now? Is there a way to get on an ACA plan for full price? I don't care for subsidies. I just need a bare-minimum plan in case I get hit by a truck or slip and fall or contract major illness.

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#2
Can you try renewing your old ACA policy with the insurance company?
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#3
If you just want a private plan and don't need to go through the marketplace for subsidies, you can just reach out to an insurance company directly and try to buy a plan from them. Technically you need a "qualifying event" to get it outside of the enrollment period, but from what I've seen they will usually just rubber stamp anything.
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#4
Quote from phonic
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If you just want a private plan and don't need to go through the marketplace for subsidies, you can just reach out to an insurance company directly and try to buy a plan from them. Technically you need a "qualifying event" to get it outside of the enrollment period, but from what I've seen they will usually just rubber stamp anything.
Loss of coverage is a qualifying event.
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#5
Quote from tresh
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Loss of coverage is a qualifying event.
Yes, as long as it is involuntary. The OP purposely canceled their plan, so it was a voluntary loss of coverage and, by that very nature, not a qualifying exemption. Think about it -- if it was, then why would there even be any requirements for special qualifying life events? Everyone would qualify all the time.

But again, like I said initially, there is probably the insurer will just check that box and not ask any questions.
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Quote from phonic
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Yes, as long as it is involuntary. The OP purposely canceled their plan, so it was a voluntary loss of coverage and, by that very nature, not a qualifying exemption. Think about it -- if it was, then why would there even be any requirements for special qualifying life events? Everyone would qualify all the time.

But again, like I said initially, there is probably the insurer will just check that box and not ask any questions.
Perhaps it goes along with your "rubber stamping" comment, but all I have seen asked for is a letter confirming loss of coverage, nothing regarding the reason.

Also, I think the penalty for not having coverage has been removed, which doesn't solve the problem, but it's at least one less thing to worry about.
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#7
Eat crow. U thought u would game the system and you lost. Own it.
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Quote from SummerSoFar
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Eat crow. U thought u would game the system and you lost. Own it.
That seems a bit unnecessary and obnoxious. The OP might have made a bad decision, but I fail to see how they did anything inherently wrong or unethical, etc.

Insurance is a game. You pay every month for a service you hope you never need, and when you do it is often a fight to get what you paid for. One could argue that going without insurance is a gamble, and could be illegal in cases with car insurance, and you reap what you sow if you pick the cheapest possible option. But paying for the most expensive option isn't usually the best choice either. What coverage you should get is very subjective. And while the OP could have done better research before jumping the gun, I don't think that warrants an attack on them.
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#9
Go to an independent insurance agent and see what he\she says. Trying to guess at it\deal with it yourself is counter-productive at this point imo.
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Quote from phonic
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That seems a bit unnecessary and obnoxious. The OP might have made a bad decision, but I fail to see how they did anything inherently wrong or unethical, etc.

Insurance is a game. You pay every month for a service you hope you never need, and when you do it is often a fight to get what you paid for. One could argue that going without insurance is a gamble, and could be illegal in cases with car insurance, and you reap what you sow if you pick the cheapest possible option. But paying for the most expensive option isn't usually the best choice either. What coverage you should get is very subjective. And while the OP could have done better research before jumping the gun, I don't think that warrants an attack on them.
I have no sympathy to those that refuse to play by social norms. He/she made their decision to take the risk, hopefully they have learned an important life lesson.
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Quote from phonic
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That seems a bit unnecessary and obnoxious. The OP might have made a bad decision, but I fail to see how they did anything inherently wrong or unethical, etc.
Sure they did. They should never have had a lapse of coverage. Health insurance is not a game. It protects your money. You either have it with peace or you don't and prepare to lose. Whoever plays the timing game will lose a big chunk of their savings eventually.
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Quote from SummerSoFar
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I have no sympathy to those that refuse to play by social norms. He/she made their decision to take the risk, hopefully they have learned an important life lesson.
"social norms"???

Well, aren't you a good slave... Golf clap to you.
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#13
Quote from IndigoMeal6844
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I canceled my ACA coverage on Dec 31 thinking I'll be going with short-term insurance going forward, but unfortunately I don't qualify for short-term due to chest pain I had 3 years ago (that ended up being nothing). Now I can't get the ACA plan back because we're not in the "enrollment period"

What's the best option as far as getting health insurance now? Is there a way to get on an ACA plan for full price? I don't care for subsidies. I just need a bare-minimum plan in case I get hit by a truck or slip and fall or contract major illness.
>> "I don't qualify for short-term due to chest pain I had 3 years ago (that ended up being nothing)."

That is just the step 1 of pre-ACA nightmere. The other acts of the same film would include
1. Cancellation of coverage once you become too expensive (Look up the testimonies to congress during ACA discussions).
2. Lifetime limits (i.e. coverage expires after about 6 months of hemophilia treatment) :-)..
etc. etc. etc..
The list goes on.

I am not sure that type of catastrophic insurance is anything but a wastage of money. So you may be better off that you got dumped in the first filter, and not strung along if/till (god forbid) you developed some really catastrophic condition.

If you don't have any chronic conditions then why don't you brave it for a year. You would not be much worse off compared to those other catastrophic plans!!

If you do have any chronic condition that needs management, then perhaps talk to any GP you visited last and talk to her about a flat fee visit.

If you need specialists - then, well, I don't know what you can do other than paying for it and learning that there are no free lunches and that looking for free lunches can lead to self inflicted consequences.
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Last edited by puddonhead January 12, 2019 at 10:03 AM.
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#14
If you don't need the subsidy, you can sign up for health insurance at any time with any of the companies. There's is no enrollment period to sign up for private health insurance.

In the future, you might want to sign up for the new plan before canceling the old. That's what I do with health insurance, car insurance and even internet service.

In your case where you want catastrophic insurance, I don't think a short term plan makes any sense. I know the current administration is pitching them as alternatives to ACA or regular health insurance, they aren't. They are meant to bridge games in regular health insurance for a short period of time. Not to be health insurance. If you get a major illness, it can easily go on longer than the short term of the short term plan. Then you are screwed. Especially if ACA falls and pre-existing conditions, like your chest pain, come into play again for regular insurance. Then you will be untouchable.
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Last edited by shinyraindrops January 15, 2019 at 01:29 PM.
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Quote from shinyraindrops
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If you don't need the subsidy, you can sign up for health insurance at any time with any of the companies. There's is no enrollment period to sign up for private health insurance.
This is 100% factually inaccurate and completely false.

Whether or not you have subsidies is irrelevant. You are NOT allowed to just sign up for private/direct/etc. health insurance whenever you feel like it. Unless you can qualify for a special exemption, you can still only do so during the enrollment period, just like group plans. As I said earlier, in my own experience the insurance company didn't seem to care and just checked a box saying we qualified, but that doesn't change what the official rule is and YMMV.
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