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The ACA is for people who don't have insurance through their employers. All the people who will be laid off or otherwise lose their source of income during this crisis and will also lose their health insurance can go onto the federal website and sign up for health insurance with a subsidy to help them pay for it. I do it every year and it's easy.
I find it especially sad that eight years after this law went into effect you still have no idea what it is.
You are correct. Unemployment and loss of employer subsidized insurance is one of the qualifying events which triggers a Special Enrollment Period, outside of the Open Enrollment Period.
There are also the Temporary Healthcare Plans which tend to be cheaper. However, those plans do not cover any preexisting conditions unless one’s state mandates it does. Such plans may impose annual caps on claims, don’t cap out of pocket expenditures and may not cover medications.
There remains a tendency for many consumers to assume all insurance is alike and are stunned to learn that is untrue, after the fact.
The ACA is for people who don't have insurance through their employers. All the people who will be laid off or otherwise lose their source of income during this crisis and will also lose their health insurance can go onto the federal website and sign up for health insurance with a subsidy to help them pay for it. I do it every year and it's easy.
I find it especially sad that eight years after this law went into effect you still have no idea what it is.
You are correct. Unemployment and loss of employer subsidized insurance is one of the qualifying events which triggers a Special Enrollment Period, outside of the Open Enrollment Period.
There are also the Temporary Healthcare Plans which tend to be cheaper. However, those plans do not cover any preexisting conditions unless one’s state mandates it does. Such plans may impose annual caps on claims, don’t cap out of pocket expenditures and may not cover medications.
There remains a tendency for many consumers to assume all insurance is alike and are stunned to learn that is untrue, after the fact.
S/he's not correct. Obamacare/ACA 2010 is the legislation that governs the administration and boundaries of all health insurance plans offered in the United States.
makes sense, now that everybody is out of work, let's return to $1000 a month health insurance payments and $7000 deductibles.
Everybody is out of work?
In 2018, 156 million were employed.
Goldman Sachs projected a whopping 2.25 million new unemployment claims this month. This is one of the most pessimistic projections. The initial Unemployment numbers will not reflect this because states cannot process so many claims in a month.
Let’s assume Goldman’s projection is closer to reality, than not. No two states have the same eligibility requirements. In normal times, 45-75% of claims are rejected, dependent on state requirements.
Alaska is one of those states with high rejection rates primarily due to applicants’ lack of full time employment history. Tourism is the second largest employer in the state. These are seasonal jobs, most tied to the tens of thousands of visitors who arrive by cruise ships, every day, in season, May- September.
The state and port municipalities are highly dependent upon Port Taxes/ Fees imposed on every cruise ship passenger, the highest in the world.
Goldman Sachs projected a whopping 2.25 million new unemployment claims this month. This is one of the most pessimistic projections. The initial Unemployment numbers will not reflect this because states cannot process so many claims in a month.
Let’s assume Goldman’s projection is closer to reality, than not. No two states have the same eligibility requirements. In normal times, 45-75% of claims are rejected, dependent on state requirements.
Alaska is one of those states with high rejection rates primarily due to applicants’ lack of full time employment history. Tourism is the second largest employer in the state. These are seasonal jobs, most tied to the tens of thousands of visitors who arrive by cruise ships, every day, in season, May- September.
The state and port municipalities are highly dependent upon Port Taxes/ Fees imposed on every cruise ship passenger, the highest in the world.
300000 in just the bar and restaurant sector in New York City alone. That's five zeros at the end of the 3:
nail salon workers
barbers
department store and big box store clerks, security, stockers
bookstores, housewares, florists shopkeepers and their staff
theater, arena, stadium workers
cleaners
chefs
groundskeepers
concessionaires
ticket sellers
dog walkers, cat sitters
pilots
flight attendants
marketers
insurers
graphic artists
writers
editors
proofreaders
web developers
composers
professional services (dentists, lawyers, architects, accountants,....)
equipment manufacturers and resellers
plumbers, electricians, HVAC technicians
auto manufacturers and sales staff
commercial real estate
CRM vendors
payroll vendors
carpenters
furniture makers
animal rescuers
street performers, buskers
tour guides
artisan breadbakers
gallerinas
advertisers
AV technicians
production assistants
...in just New York City alone.
Last edited by eastriver; 03-22-2020 at 09:23 AM..
S/he's not correct. Obamacare/ACA 2010 is the legislation that governs the administration and boundaries of all health insurance plans offered in the United States.
Yes, I know it does. It also provides government exchanges where the uninsured can go to buy insurance. Again, not sure what point you're trying to make here, but the government-run exchanges are part of the ACA.
Obama is saving American lives even out of office. I can only imagine Trump's rage. Of course the Republicans had plenty of time to come up with a cheaper better replacement. Who knew health insurance could be so complicated?
Obamacare/ACA 2010 is the authoritative legislation that governs all health insurance in the United States. Yours too.
ACA is high level - limited to the Ten Essential Healthcare Benefits. States continue to be the primary legislative body that governs all insurance, not just healthcare. No two states have the same legislation/ regulation. This was true before the ACA and remains true, today.
The ACA also enabled Temporary Health Plans intended to bridge a short term gap. Trump previously expanded the duration to 3 years. Such plans tend to be cheaper than other plans because they don’t cover anything that is remotely preexisting, unless a state requires it. There are caps on annual claims and some essential services are not covered.
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