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At least 146,000 Michiganders — and possibly thousands more — with health coverage purchased directly from insurers now are learning their polices will end Dec. 31 because they don’t meet the minimum requirements of the federal health care act.
Under the law, each policy must cover essential benefits in 10 categories. Instead of beefing up these policies, insurers are opting to drop them, advising consumers to consider other policies that are now available either from the insurers directly or though the Michigan Health Insurance Marketplace, also known as the state exchange.
The policies that are ending were often less expensive on the individual market because they provided limited benefits and were sold to healthier consumers.
And that was fine with consumers such as Josh Mulder.
Mulder had landed a plan several years ago that cost his Wixom family offour just $291 a month. That policy will end Dec. 31, according to a letter from his insurer.
The policy didn’t cover things such as maternity care or prescription drugs, but, Mulder said, his family is generally healthy and he was willing to take the risk.
anybody that has/had an 480 dollars a month premuim did not have great healthcare coverage...maybe a low premium, but no way great HC coverage.
I would love to see what these 80 dollar HC plans actually covered.
The problem with these sham plans, is after your insurer dropped you, one had to go on the government plan.
Im tired of picking up the ticket for those that dont want to cover or want sham insurance that covers nothing...
Show us where you did pick up the ticket for any of these people.
Why shoudn't my insurance be cheaper than someone who wants to run to the doctor for every little sniffle?
We should be able to opt out of birth control coverage, maternity care coverage, wellness visits and all routine kinds of coverage.
We should be able to pick a plan that suits our lifestyle. People with kids might want insurance that would cover emergency room visits, all need cancer coverage.
Not very hard to understand why the rates are going up......more and more mandates will lead to higher and higher premiums.
Gee, I guess if it was required for my car insurance policy to cover oil changes and tire rotation.....it would cost a LOT more than a plain-Jane policy.
And these initial Osamacare rates.....haha, those are the "cheap" teaser rates.......you just wait!!!
Not very hard to understand why the rates are going up......more and more mandates will lead to higher and higher premiums.
Gee, I guess if it was required for my car insurance policy to cover oil changes and tire rotation.....it would cost a LOT more than a plain-Jane policy.
And these initial Osamacare rates.....haha, those are the "cheap" teaser rates.......you just wait!!!
Not very hard to understand why the rates are going up......more and more mandates will lead to higher and higher premiums.
Gee, I guess if it was required for my car insurance policy to cover oil changes and tire rotation.....it would cost a LOT more than a plain-Jane policy.
And these initial Osamacare rates.....haha, those are the "cheap" teaser rates.......you just wait!!!
There are already state requirments about the type and coverage of auto insurance for good reason. It does no good to society if you are paying a low rate for insurance that does not cover the likely amount of damage that your car could do to something hence my state requires coverage of $20,000 per one person for injury or death. $40,000 for more than one person and $15,000 for property damage.
For health insurance high deductiables mean high risk. You need to have enough cash on hand to cover everything if your health problem doesn't amount to the deductable and not covering some things like check ups are likely to drive cost even higher inthe end( The cancerous skin mole that could have been easily removed is now advanced and requires more treatment.).
Hence the govermnet lowering the deductiable even if the cost goes up.
The cheap catastrophe plans that covered basically nothing are gone, yes. Good riddance to them.
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