Quote:
Originally Posted by suzzer99
Presumably you could quit a plan, then join another and not have health status be factored into your rate. I don't think the 61 days factors in as long as you apply soon enough.
CA had basically this provision pre-Obamacare.
One way you got ****ed under that system though - IIRC - is they forced you to take your full COBRA before getting private insurance guaranteed issue. So for me that was $650/month for 18 months before I could get cheap private insurance at $100/month. That sucked. I just went without for a while, then eventually got Kaiser - which I really liked.
I wouldn't be surprised though if the continuous coverage doesn't apply if you willingly quit a plan. So if your plan death spirals you have to wait until it literally dies. That's what happened to my uncle. He was in Kansas though - which might not have had the 60 day thing at all.
Yeah, I remember that issue with COBRA... Which, if you're making under 30K which more than 25% of households are, COBRA is 26% of your pay. That's for one person, and that income figure is for households. So even if you were paying half that before, it's still an enormous increase. So a lot of people would likely be forced off in that scenario.
The willingly quit a plan thing is interesting too - like, what if I sign up for one before I quit the next so that there's no gap. That should be okay right? Or are they only required to not discriminate if your plan was involuntarily taken away from you. Can they discriminate if you just choose to switch plans?
There are so many unanswered questions.