ST Alpha - "If it's the law I assume so. " (Reading a Post)

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In response to "Yes, the question is whether or not such a policy would be available to buy between Marketplace enrollment periods. -- nm" by mara

If it's the law I assume so.

Posted by the liioulu with dark circles (aka liioulu) Sep 24 '13, 17:25

The question is why you'd wait to do it right?

One answer is that by waiting you might have to pay a lot more than if you were already covered.

Responses:

There are a lot of sites that suggest that it simply won't be possible, without a qualifying event. -- (link) - mara Sep 24, 17:42 16
- Or, they will at inflated prices. The law only says that pre-existing conditions have to be covered. It doesn't say that it has to be affordable to - the liioulu with dark circles Sep 24, 17:44 5
  - The aca says it has to be affordable, thats like the entire purpose. No more than 9.5% of w2 wages ( your premiums) no matter where you get the insura - Truman Sep 24, 18:57 2
    - Read below. That's info that I haven't rad until today. - the liioulu with Sep 24, 18:59 1
      - Since my firm has a seperate business that is an i insurance broker, i have lots of stuff i can read about the aca - Truman Sep 24, 19:05
  - "This also means an insurance company can’t charge you more if you have a preexisting condition." -- (link) - mara Sep 24, 18:17 1
    - I haven't read that 'til now. Like I said that's not what I've read before. - the liioulu with dark circles Sep 24, 18:24
- Another one, for future reference (mine, I mean). -- (link) - mara Sep 24, 17:44 9
  - Also for my future reference, Cigna says: - mara Sep 24, 18:46 3
    - Basically, living in Illinois I haven't heard much actual info about the marketplace. - the liioulu with Sep 24, 18:55 2
      - Me, neither, living in Indiana, but I have internet access, so I don't really need the state to tell me anything. -- nm - mara Sep 24, 18:57 1
        
        Well the aren't all the same, despite being a federal law. -- nm - the liioulu with insects Sep 24, 19:06
  - healthcare.gov clearly states you can buy a policy outside of the Marketplace, but doesn't say you'll be able to between enrollment periods. -- (link) - mara Sep 24, 17:46 4
    - My understanding is that youcan buy a policy from a state Marketplace anytime the "first" Time. Then the enrollment is a yearly time when you can - Truman Sep 24, 19:01
    - The marketplace is primarily for the policies that offer lower costs based on incomes. - the liioulu with dark circles Sep 24, 17:51 2
      - That's not actually the way it's usually presented. -- nm - mara Sep 24, 18:08 1
        
        That's what that link seems to say. - the liioulu with dark circles Sep 24, 18:13
The main reason is that some people want to wait until they're actually sick or injured before buying a policy. -- nm - mara Sep 24, 17:37 1
- If they wait until they're injured they're stuck with the bills because they won't be covered. - the liioulu with dark circles Sep 24, 17:48

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If it's the law I assume so.

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