11 States With Their Own Health Insurance Plans (coverage, California, Colorado)
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If the ACA/Obamacare is ruled unconstitutional and goes away, here are the 11 states (plus the District of Columbia) that currently have their own health insurance plans, independent of the ACA.
Those are marketplaces for the ACA plans in each state listed, not their own plans.
Exactly. And if the ACA were to be declared unconstitutional--highly unlikely--there would no longer be a state exchange in any of those states listed in the OP.
Those are marketplaces for the ACA plans in each state listed, not their own plans.
Incorrect. These are the websites to the state's "marketplaces" for their OWN health insurance programs. These are not the same thing as the Healthcare.gov marketplace. I know for a fact (and knew before doing this list) that at least 4 states - CA, MA, NY, and DC - have their OWN health insurance programs that are independent of the ACA. I also looked up this information before posting it. I didn't just do a cut and paste from another website.
Yes, these states had to include some provisions from the ACA in their pre-existing health insurance plans, because it was the law. But, the POINT is that if the ACA goes away, these states will STILL have their own health insurance plans or healthcare options, just like they had before the ACA. The plans might revert to how they were before the mandatory ACA provisions were included, but they would still exist.
If this info isn't useful for you, fine. But, don't try to scare other people off. This info could help somebody. If that's not you, just skip it. Darn.
Incorrect. These are the websites to the state's "marketplaces" for their OWN health insurance programs. These are not the same thing as the Healthcare.gov marketplace. I know for a fact (and knew before doing this list) that at least 4 states - CA, MA, NY, and DC - have their OWN health insurance programs that are independent of the ACA. I also looked up this information before posting it. I didn't just do a cut and paste from another website.
No, you are wrong. I purchase from the marketplace in NY and get insurance from a regular privately owned insurer. The only difference between purchasing from the insurer directly (which I have done in the past) and the marketplace is you must use the marketplace to get a subsidy. The plans are the same. There are no special health Insurance programs, there is no govt option currently under ACA law.
If you remember the history of ACA, states had the options to set up their own marketplace site. If they didn't they were to use healthcare.gov as a default. It is just a way to purchase insurance from private insurance companies that serve that geographical area.
Yes, these states had to include some provisions from the ACA in their pre-existing health insurance plans, because it was the law. But, the POINT is that if the ACA goes away, these states will STILL have their own health insurance plans or healthcare options, just like they had before the ACA. The plans might revert to how they were before the mandatory ACA provisions were included, but they would still exist.
If this info isn't useful for you, fine. But, don't try to scare other people off. This info could help somebody. If that's not you, just skip it. Darn.
The term you are looking for to describe pre ACA pre existing coverage is community rated. A few states offered it like NY. The good part was you couldn't be denied coverage for preexisting conditions. The bad part it was prohibitively expensive individual coverage due to very small amount of purchasers. This is why I purchased my insurance via a semigroup plan for years before ACA to make insurance premiums tolerable.
I have purchased my own insurance for over 20 years. What has your experience been besides a Google search?
No one is trying to scare anyone away, just correcting obvious misinformation.
Incorrect. These are the websites to the state's "marketplaces" for their OWN health insurance programs. These are not the same thing as the Healthcare.gov marketplace. I know for a fact (and knew before doing this list) that at least 4 states - CA, MA, NY, and DC - have their OWN health insurance programs that are independent of the ACA. I also looked up this information before posting it. I didn't just do a cut and paste from another website.
Is there a single insurance plan anywhere that is “independent of the ACA”? What does that mean? The law applies to all insurance plans does it not? If the court rules the ACA unconstitutional it will affect everyone’s coverage in some way.
Are you using ACA to mean the healthcare.zgov Marketplace, or what?
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