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Obamacare Policies Not Available Year-Round, Causes Problems For Latecomers

Posted on April 5, 2014

Americans thinking about buying health insurance on their own later this year, or maybe switching to a different insurer, are probably out of luck. The policies are going off the market as a little-noticed consequence of President Barack Obama’s health care overhaul.

With limited exceptions, insurance companies have stopped selling until next year the sorts of individual plans that used to be available year-round. That locks out many of the young and healthy as well as the sick and injured, even those who can afford to buy without government subsidies.

“Now they’re stuck,” said Bonnie Milani, an independent insurance broker in Los Angeles, who says she warned her customers last year that the change was coming. “It just closes everything down.”

The next wide-open chance to sign up comes in November, when enrollment for 2015 begins in the government-run insurance marketplaces created by the health care law. Companies are following that schedule even for the plans they sell outside the federal and state exchanges.

The health care law allows insurers to keep selling all year. But it also creates the conditions prompting them to stop.

The law, which requires nearly all Americans to be insured or pay a fine, bans insurers from rejecting customers because of poor health. The companies say that makes it too risky to sell to individuals year-round.

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2 thoughts on “Obamacare Policies Not Available Year-Round, Causes Problems For Latecomers

    "Obama is my Shepherd; I shall not work.
    He maketh me to lie down and watch Oprah:
    He leadeth me beside the still factories.
    He restoreth my bling:
    He leadeth me in the paths of idleness for Barack's name sake.
    Yea, though I walk through the valley of the sharing of the wealth,
    I will fear no workfare: For thou art funding me;
    Thy gat and thy blade, they comfort me.
    Thou preparest a table before me in the presence of people who actually produce;
    Thou annointest my teeth with gold; My pipe runneth over.
    Surely rebates and Earned Income Credits shall follow me all the days of my life,
    and I will dwell in the House of the Obama forever.
    — Obamagedon End Of Days,"

  2. Virgil Hilts says:

    John….THAT is a piece of work. I am copying it…it will, no doubt, be all over the internet within a month.