CMS: STM Limited to 3 Months - No Renewal Allowed

Of course they hate competition or savvy consumers who don't want 25% of their income going to healthcare premiums. Next they may nix faith-based healthcare sharing exemptions that serve that segment of the population well. The fact is Obamacare can not sustain itself in the long term which will force the move towards a single-payer government run program in the future and the left knows this full well!!!
 
Reversing course on the "If you like your plan you can keep it" idea was meant to avoid political suicide. This idea of taking away STM and CI could possibly be political suicide too, or it could look like Obama to the rescue. Depends on which spin gets hits the hottest media button.

This is ripe time for political spin!!!

I could see Hillary getting clobbered if she defends Obamacare, and says it's best to take away options, so more people will get into a plan they can't afford, or get fined a tax penalty, while raising the uninsured rate.

Or Hillary could look like the savior of Obamacare by stopping those bad insurance companies from taking away the young and healthy, and discriminating against people with pre-existing conditions.
 
Time to call your senators/congresspersons to let them know of proposed federal agency encroachments in the (formerly state governed) insurance business.
 
Good point about Christian share programs, but that was written into the law with help of lobbyists. I may have to start going to church.

And don't forget about Obama doing in his own law with extending non grandfathered plans, keeping them out of risk pool, which was just extended again just 2 months ago until Dec 2017. Short memory I guess, or is this an attack on certain carriers, agents, and consumers skirting the law?

Its not the having to go to church that is bothersome...it is the quit drinking, quit smoking, and no sex outside of marriage that is going to hurt. :D
 
No mention of how to cover the millions of undocumented or "visa" overstays. Guess they will be covered / treated due to good samaritan laws which forces providers to give care then provider can't collect on 30% to 50% of charges...hmm... Guess our HC costs will just continue to rise same as always.
I means its not like they are eligible to buy any domestic coverage anyway.
Guess HHS has not announced anything. Maybe they will after the election
 
Its not the having to go to church that is bothersome...it is the quit drinking, quit smoking, and no sex outside of marriage that is going to hurt. :D

Don't drink or smoke and would like more sex inside my marriage....hey is there a covered ACA procedure for therapeutic health with an escort er I mean professional?
 
Funny. When ACA was first passed, I made a post on this forum about companies simply offering STM for a 12 month period so they can medically underwrite, and here we are. My question is how does CMS have the power to change STM rules when they are not subject to ACA in the first place, and are overseen by each state individually?

This administration assumes whatever powers they want law or no law.
 
Yes, they surely will try to change up the rules.

I do sell short term. Two this week. It works great for those who fall under the threshold of getting subsidies and those who do not qualify for medicaid. You know, those who make money "under the table", or working poor, who cannot afford $300-$400 for a decent Silver plan, but can afford, $150-$200 with an addition of a supplement. Or for those who make too much for a subsidy who also have nasty high premiums, (particularly those small business owners who are in their mid to late 50s who are healthy as a horse still).

Also, works well for those who are exempt for penalties. The article above says that these changes will not prevent consumers from owing a penalty. Gotta be careful here when selling ST, and simply do all the math. '

I do have a couple who do get penalties by not accepting the ACA, and taking out a ST, but they do not care as the penalty is nothing compared to the savings. We are talking only healthy people---

Anyway, this is not a good thing for us agents who sell ST. BUT, I do see why HHS sees it as necessary to help with risk pool issues.

Also, for those who do sell ST, it's an excellent time to add on your CI supps and RX supps since most ST doesn't cover RX, or cap Rx at $3000...or only offer a discount plan for Rx.

Very annoying that every time I find a loop hole to keep my business going, it's always in jeopardy. lol
 
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So the gov can not fix the Hillary "family glitch". So they are choosing to make it much worse by getting rid of STM. Amazing simply amazing
 
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