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Valued Social Butterfly
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Re: Lifetime health coverage. Is it possible?

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@dl73698250

 

Maybe I am not following you -

 

If a person is buying their health insurance on the individual marketplace, they can change their plan once a year during open enrollment usually beginning in November of the year before coverage is to start.  

 

The law did away with denial of insurance or denial of a specific problem in this marketplace because of a pre-existing condition.

 

If a person has healthcare coverage and something happens to their job, in most cases,mthey can retain the same coverage via COBRA coverage but they would pay the entire premium themselves with no employer subsidy.  Again, any pre existing condition is covered for the length of the COBRA plan - up to, I believe, 18 months - OR refuse COBRA during the eligibility time period of the offer and pick up an exchange plan since losing a job is one of those (life event) reasons for being able to pick up an exchange plan outside of the open enrollment period.

 

If you are talking about not being able to bring the deductible amount which might have already been paid before going over to another policy - that's part of the specific plan which was chosen as well as networks, formulary, the details of the coverage, etc.  Change plans for some reason, even if possible, will change the contractual basis of all the details of a policy since our coverage is based on this - we pick the best coverage we can based on these details.  

 

Even Medicare to a certain extent is based on this.

 

 

 

 

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Lifetime health coverage. Is it possible?

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Why the controversy over the Affordable Care Act? I get it that starting coverage early gets better benefits, and that insurers don't like covering pre-existing conditions. But people in general need the ability to change insurers without losing benefits. Suppose the insured can't get a neccessary change to their current policy and keeps getting dismissed as a "trouble-maker", or needs to switch insurers for any numerous of other reasons. Each time someone switches to a new company, that someone has to start all over again. Pre-existing Conditions becomes an unavoidable condition. Untill/unless legitemate gripes/problems are addressed and fixed, and justice available to avoid having to switch coverage, people need to have a "portable coverage" regardless of suppliers. There needs to be a "benefit transfer" from one provider to another to maintain continuous coverage and not insist that it's always the insured's fault for not having proper insurance. My question is, why has this not been figured out yet? Health-insurance/employment/mobility/person-hood has been around around for a long time. People need to be able to change insurers/employment/location/jurisdiction without losing their life over it. The longer it's postponed, the harder it gets to fix.

Is anyone working on this? Comments?

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