CARRIE and DH 7/14/07
Bonita, just recently I was able to enroll my mom into govt health insurance with having preexisting conditions. We couldn't find insurance that accepted pre existing conditions or any that was not crazy expensive. Plus, there is a rule that I read coming into affect that pre existing conditions will have to be covered for all insurances.
Timeline of the Affordable Care Act | HealthCare.gov
Check out all of the information on the sliders. It is helpful. I can paste part here:
Providing Access to Insurance for Uninsured Americans with Pre-Existing Conditions
National program established July 1, 2010
A Pre-Existing Condition Insurance Plan (PCIP) provides new coverage options to individuals who have been uninsured for at least six months because of a pre-existing condition. States have the option of running this new program in their state. If a state has chosen not to do so, a plan has been established by the Department of Health and Human Services in that state. This program serves as a bridge to 2014, when all discrimination against pre-existing conditions will be prohibited.
Learn more about the Pre-Existing Condition Insurance Plan
Here is the wizard:
Find Insurance Options | Finder.Healthcare.gov
p.s. by govt insurance I don't mean medicaid.
When I went through all of the options I do not think we would fit any of the categories. Just looking into options right now. There is a job that DH would really like, but there would be no insurance as he would be considered either part time (But make quite a bit more than he does now) or self employed. We do have insurance now, so we have not been without insurance for 6 months. (Nor do I want to go without insurance for 6 months in the mean time). I am more thinking down the road what will happen.
A business that consists of 1 person (say self employed free lance as you suggested) would not face a penalty for not having health insurance because their employee base is too small. You can, of course buy into the state exchange where there are no exemptions for coverage for pre existing conditions because due to NHCR that has been eliminated.
I would suggest if he is going the self employed route to still look a "group plan" through an insurer. They tend to be cheaper than direct pay plans as a family and give you more options. 1 employee is considered a group.
I have not seen a move here for employers to stop carrying health insurance. Most employers I know offered it before our mandate here in 2007 and of course still have to offer it. I forget what the employer penalty is in Mass. though.
I also don't see a move to a government plan. Again, as this is my everyday job we have too many employers that are contracting with us for the long term to think they are all going to stop offering it.
*Opinions expressed here are my own and not reflective of my employer*
My husbands company was just ranked the #3 corportation to work for according to glassdoor. They have promised us a continuation of of our fantastic private insurance. I think that Gloria's doomsday scenario fails to remember that good employers will continue to contend to offer great health care for great talent.
The issue isn't that. It's those who have NOTHING. Now they have something. It's simply Christian.
Last edited by Potter75; 12-22-2012 at 03:09 PM.
My company is pretty amazing in that regard too. (I'm at A&E.) There is no employee contribution to the health insurance, and it's good, solid insurance with lots of options and they don't plan to change it. When they were struggling with budget issues, the only change they made was that if your spouse CAN be covered by his or her own employer, they had to take that option. I thought that was an amazing compromise even though it did affect us. It seemed like a very reasonable way to keep the policy going that they have. I'm very very lucky.
Laurie, mom to:
Nathaniel ( 11 ) and Juliet ( 7 )
Baking Adventures In A Messy Kitchen (blog)
Bonita~have your husband call around now to different local insurance companies. Their quotes may vary slightly for when you do sign up but it gives you a chance to confirm what type of plan you can afford either individually or as a group, if necessary and what company you want to use.