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Health insurance isn't a year-round thing anymore
ap ^ | 4/4/14 | CONNIE CASS

Posted on 04/04/2014 8:09:35 AM PDT by Nachum

WASHINGTON (AP) -- Here's more fallout from the health care law: Until now, customers could walk into an insurance office or go online to buy standard health care coverage any time of year. Not anymore.

Many people who didn't sign up during the government's open enrollment period that ended Monday will soon find it difficult or impossible to get insured this year, even if they go directly to a private company and money is no object. For some it's already too late.

With limited exceptions, insurers are refusing to sell to individuals after the enrollment period for HealthCare.gov and the state marketplaces. They will lock out the young and healthy as well as the sick or injured. Those who want to switch plans also are affected. The next wide-open chance to enroll comes in November for coverage in 2015.

It's a little-noted consequence of President Barack Obama's health care overhaul, which requires nearly all Americans to be insured or pay a fine and requires insurers to accept people with health problems.

"I have people that can buy insurance, but the companies shut them down. They won't take the applications," insurance broker Steve Bobiak of Frackville, Pa., said. "We're a free country. You should be able to buy anything anytime you want."

(Excerpt) Read more at hosted.ap.org ...


TOPICS: Extended News; News/Current Events
KEYWORDS: enrollmentperiod; health; healthcarerationing; insurance; lockout; obamacare; round; year
I write health insurance, and folks who haven't applied are starting to panic.

Welcome to the brave new world.

1 posted on 04/04/2014 8:09:35 AM PDT by Nachum
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To: Jet Jaguar; NorwegianViking; ExTexasRedhead; HollyB; FromLori; EricTheRed_VocalMinority; ...

The list, Ping

Let me know if you would like to be on or off the ping list

http://www.nachumlist.com/


2 posted on 04/04/2014 8:10:05 AM PDT by Nachum (Obamacare: It's. The. Flaw.)
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To: Nachum
The US feral government destroys everything it touches.

It's the only thing it's really good at.

3 posted on 04/04/2014 8:10:39 AM PDT by E. Pluribus Unum ("A man who damns money obtained it dishonorably; a man who respects it has earned it." --Ayn Rand)
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To: Nachum
insurance broker Steve Bobiak of Frackville, Pa., said. "We're a free country. You should be able to buy anything anytime you want."

Said the deluded resident of Fantasy Land.

4 posted on 04/04/2014 8:13:39 AM PDT by ChildOfThe60s ((If you can remember the 60s.....you weren't really there)
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To: Nachum

"Got you, didn't we? NONE of this.
NONE applies to us, our families, or our staff."

5 posted on 04/04/2014 8:16:45 AM PDT by Diogenesis
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To: Nachum

I thought if they get sick, they can sign up.


6 posted on 04/04/2014 8:31:21 AM PDT by dforest
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To: Diogenesis

Access denied
What happened?
The owner of this website (benswann.com)
does not allow hotlinking to that resource.


7 posted on 04/04/2014 8:32:04 AM PDT by Repeal The 17th (We have met the enemy and he is us.)
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To: Nachum

- -
It’s a little-noted consequence of Obama’s health care overhaul...
“If you didn’t have an open enrollment period,
you would have people who would enroll when they get sick
and dis-enroll when they get better,”
said Chris Stenrud, spokesman for insurer Kaiser Permanente.
“The only insured people would be sick people,
which would make insurance unaffordable for everyone.”
- -
This issue has been one of the big items discussed here many times.
It is like someone at the associated press just noticed this?
They conveniently ignored it for the past several years?
AP and the other media are co-conspirators to the disaster.


8 posted on 04/04/2014 8:41:40 AM PDT by Repeal The 17th (We have met the enemy and he is us.)
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To: dforest
I thought if they get sick, they can sign up.

They can, but only during periods of open enrollment. Open enrollment begins again in NOVEMBER.

9 posted on 04/04/2014 8:42:20 AM PDT by Nachum (Obamacare: It's. The. Flaw.)
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To: Nachum

Medicare open enrollment periods then. Then the promise that you can sign up if you get sick is another lie.


10 posted on 04/04/2014 8:45:28 AM PDT by dforest
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To: dforest
Medicare open enrollment periods then. Then the promise that you can sign up if you get sick is another lie.

No, low information people only thought that insurance could be purchased outside of an enrollment period. If you haven't started enrollment before 3/31/14 (and don't qualify for some special enrollment period) you can't have any coverage until 1/1/15.

11 posted on 04/04/2014 8:51:26 AM PDT by Mike Darancette (Do The Math)
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To: Nachum

The new Obama insurance plan: go to the emergency room.


12 posted on 04/04/2014 8:59:38 AM PDT by xzins ( Retired Army Chaplain and Proud of It! Those who truly support our troops pray for victory!)
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To: Nachum

Okay. Your company is going belly up, it lets you go. You, the wife and 2 kids lose health insurance. How is that your fault and why would you be punished by the Government?


13 posted on 04/04/2014 8:59:45 AM PDT by SECURE AMERICA (Where can I go to sign up for the American Revolution 2014 and the Crusades 2014?)
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To: xzins

Guarantee you that many of those new sign ups and medicaid people will still use the emergency rooms for coughs and colds, just like they used to.


14 posted on 04/04/2014 9:07:56 AM PDT by dforest
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To: Nachum

I stopped doing health insurance about 3 years ago. I still write accident and indemnity policies and medicare supplements, and dental. But mostly life insurance.


15 posted on 04/04/2014 9:09:53 AM PDT by TheArizona
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To: SECURE AMERICA

If you lose coverage for certain “events”, you are eligible for ‘special election’ and can apply for coverage outside of open enrollment.


16 posted on 04/04/2014 10:09:40 AM PDT by Nachum (Obamacare: It's. The. Flaw.)
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To: dforest
Then the promise that you can sign up if you get sick is another lie.

Yes, a total fabrication.

17 posted on 04/04/2014 10:10:35 AM PDT by Nachum (Obamacare: It's. The. Flaw.)
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To: TheArizona
I stopped doing health insurance about 3 years ago. I still write accident and indemnity policies and medicare supplements, and dental. But mostly life insurance.

As are most agents who write health insurance. Commissions are reduced and it forces agents out.

18 posted on 04/04/2014 10:11:32 AM PDT by Nachum (Obamacare: It's. The. Flaw.)
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To: Nachum

It’s so confusing and the threat of identity theft is so great I just stopped giving a damn. Is that bad?


19 posted on 04/04/2014 12:29:36 PM PDT by gura (If Allah is so great, why does he need fat sexually confused fanboys to do his dirty work? -iowahawk)
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To: SECURE AMERICA

COBRA


20 posted on 04/04/2014 12:50:40 PM PDT by markman46 (engage brain before using keyboard!!!)
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To: gura
It’s so confusing and the threat of identity theft is so great I just stopped giving a damn. Is that bad?

It is only a threat when applying in the exchange. If one applies directly to the insurance company, there is no inspection of your taxes with the IRS and no inspection by the DHS,

21 posted on 04/04/2014 1:26:46 PM PDT by Nachum (Obamacare: It's. The. Flaw.)
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