How Many States Alreday Offer Insurance for Pre X
- Thread starter bpenn9
- Start date
- 10,275
Ohio has "Ohio Open Enrollment."
High rates and closed down early last year.
High rates and closed down early last year.
Of course they do.
If COBRA was accounted for separately it would fail too. Normal LR for COBRA is in the 120 - 130% range. Thanks to Obamabucks subsidizing the cost of COBRA the LR is running 160%+.
All the risk pools are subsidized in some form by tax dollars. Some states use premium taxes plus assessment of carriers to offset the premiums charged. So with 2 - 3 sources of funding minimum, they still don't take in enough money.
Obamacare has set aside $5 billion to float the risk pool until 2014 and the CBO has doubts if that will be enough.
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As shown in the Kaiser chart posted by somarco, PA does not have any high risk pool per se. Blue Cross is the insurer of last resort; however, PA has established a state program called adultBasic with low premiums and a large waiting list. It has many limitations but is GI and does not cover Rx drugs (the PACE program does that). The premiums will double shortly.
- 2,908
Good. I think that with Obama's new plan for interstate enrollment in insurance, that Maine folks will be able to enroll in North Carolina's high risk pool. We appreciate that because our programs are broke now.
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Yup, and if you like the plan you have you can keep it. Except we are doing everything we can to eliminate Medicare Advantage.
The good thing though is that it is going to lower the national debt so we will have lots of money left over to try other things too.
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- 8,707
Yes Maine is GI but Pre-existing conditions may not be covered for up to 1 year if the person has had a lapse in coverage of 90 days or more....Which isn't all that unreasonable its nuts to think you go to Doctors office today without insurance get diagnosed with ruptured discs requiring surgury sign up for coverage get surgery and then drop coverage.
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Yes Maine is GI but Pre-existing conditions may not be covered for up to 1 year if the person has had a lapse in coverage of 90 days or more....Which isn't all that unreasonable its nuts to think you go to Doctors office today without insurance get diagnosed with ruptured discs requiring surgury sign up for coverage get surgery and then drop coverage.
Maine also has separate rates for male/female. But Obamacare does not allow. (I think).
Women consume more medical care then men but most women feel that is discrimnatory to charge more being female. (pelosid talkking about being a woman is a pre-existing condition etc) However, their rates are less for auto and life and you don't hear any bitching about that.
Is this a great country or what.
