Top 10 Reasons Why Healthy People Should Choose A NON-ACA Plan

Non-Obamacare Plans were created for people who have NO major pre-existing conditions. Major pre-existing conditions are heart disease/stroke, cancer, chronic obstructive pulmonary disease (COPD), diabetes, human immunodeficiency virus (HIV), and substance abuse. What are the benefits of these plans? Here are the top 10 reasons why healthy people should choose a Non-ACA Plan:

1.) Nationwide PPO Plans (excellent coverage for doctors, office visits, hospital stays, surgeries, and prescription drugs)

2.) Lower deductible and out of pocket costs

3.) MANY Non-ACA plans qualify as minimum essential coverage

4.) Fully customizable (you choose how much you want to pay for your monthly premium, deductible, etc.)

5.) LOWER monthly premiums; ½ the cost of ACA plans

6.) Sign up anytime and cancel anytime during the year

7.) Multiple carriers who offer Non-ACA Plans

8.) SOME Non-ACA plans cover maternity costs

9.) Non-ACA plans protect you if you have a catastrophic event

10.) Non-ACA plans can be short term (1 month) or long term; better alternative instead of a COBRA plan

Who is Open Enrollment For?? ONLY for those with Major Pre-existing Conditions who NEED an ACA/Obamacare/BCBS plan!

Open Enrollment depends on if you are choosing between an ACA Plan OR a Non-ACA plan. Those of you with NO MAJOR PRE-EXISTING CONDITIONS, you can enroll ANYTIME during the year! You would sign up for a NON-ACA/Obamacare Plan (major medical). Many carriers have Non-ACA Plans like United Healthcare, National General, Aetna, etc.

Those of you WITH major pre-existing conditions (heart disease/stroke, cancer, chronic obstructive pulmonary disease (COPD), diabetes, human immunodeficiency virus (HIV), substance abuse or for people who need maternity care or invitro fertilization), have open enrollment this year ONLY from Nov.1-Dec. 15. The only time OUTSIDE the yearly Open Enrollment Period when you can sign up for an ACA insurance plan is if you’ve had a qualifying life event, including losing health coverage, moving, getting married, having a baby, or adopting a child. Only 1 carrier offers ACA plans and that is BCBS. The Marketplace online (healthcare.gov) ONLY sells ACA PLANS through BCBS.

Non-ACA Plans were created for people who have NO major pre-existing conditions. Major pre-existing conditions are heart disease/stroke, cancer, chronic obstructive pulmonary disease (COPD), diabetes, human immunodeficiency virus (HIV), and substance abuse. What are the benefits of these plans?

-Nationwide PPO (excellent coverage for doctors, office visits, hospital stays-(over 175 hospitals), surgeries, and prescription drugs)
-Lower deductible and out of pocket costs
-Fully customizable (you choose how much you want to pay for your monthly premium, deductible, etc.)
-½ the cost of an Obamacare plan
-Sign up anytime and cancel anytime during the year
-Multiple carriers who offer Non-Obamacare

Obamacare Plans were created for people with major pre-existing conditions (heart disease/stroke, cancer, chronic obstructive pulmonary disease (COPD), diabetes, human immunodeficiency virus (HIV), substance abuse or for people who need maternity care or invitro fertilization. What are the advantages of Obamacare plans?

-Every legal US resident is eligible for an Obamacare plan
-There are no medical questions in order to qualify
-Depending on how a family income compares to the Federal Poverty level, family size, and how much healthcare insurance costs where you live, individuals and families can qualify for a subsidy

The disadvantages of Non-Obamacare Plans are:

-Doesn’t cover major pre-existing conditions; HOWEVER,if you do get sick while on Non-Obamcare, you can switch to an Obamacare Plan during open enrollment
-There are a few medical questions that a new client needs to answer
-The plan is only available to healthy individuals who have no major pre-existing conditions
There ARE a few disadvantages of having an Obamacare plan as well.
-There is only one carrier that offers an Obamacare (which does increase your premium somewhat due to no carrier competition)
-The networks are limited to only counties and cities
-If you get sick or hurt out of state, your plan will not cover 100% of your bills
-These plans are mostly HMOs which means these plans are not portable

Because everyone qualifies for an ACA plan, the premiums are very costly due to the many sick individuals on these plans. There is a shared cost to help people with surgeries, medications, and more you do not get to customize your plan meaning you do not get to choose your monthly premium, deductible, etc.
Open enrollment is only once a year between November 1 through December 15

After comparing the Non-Obamacare plan to an Obamacare plan, you can see that individuals with MAJOR pre-existing conditions only have ONE choice and that’s to get Obamacare. Healthy individuals with NO major pre-existing conditions have a choice between an Obamacare plan and a Non-Obamacare plans. This is not a knock against Obamacare plans, but they are very expensive, very limited networks, one provider in most states, and high out of pockets. In addition, without what is called a qualifying life event, you cannot get an Obamacare plan until Nov. 1st 2018. Which plan works best for you?

Trump Administration Deals Another Blow to Obamacare, Removes Ban on Short-Term Health-Insurance Plans

Trump Administration Deals Another Blow to Obamacare, Removes Ban on Short-Term Health-Insurance Plans

A sign on an insurance store advertises Obamacare in San Ysidro, San Diego, California, October 26, 2017. (Mike Blake/Reuters)

The Department of Health and Human Services finalized a rule change on Wednesday that will allow Americans to purchase short-term health-insurance plans that provide limited coverage at relatively low cost for up to three years.

The rule overturns an Obama-era restriction that limited the use of short-term plans to just three months in an effort to prevent younger, healthier consumers from leaving Obamacare exchanges in favor of less comprehensive coverage at a lower cost.

The new “short-term, limited duration insurance” plans will help those struggling to pay the high premiums increasingly embraced by insurance providers who opt to continue listing plans on Obamacare exchanges rather than leaving the exchanges amid flagging enrollment and spiking costs, as many of their competitors have done.

“There are individuals today who have been priced out of coverage” due to Obamacare, James Parker, a senior adviser to secretary of health and human services Alex Azar, told the New York Times. “Until we have a more comprehensive replacement for the Affordable Care Act and Obamacare, we are looking to do everything we can to take incremental steps that will make insurance coverage of any type more affordable to those who today cannot afford insurance coverage.”

Parker stipulated, however, that the short-term plans do not provide the kind of comprehensive coverage required of plans listed on Obamacare exchanges.

“We make no representation that it’s equivalent coverage. These policies will not necessarily cover the same benefits or extend coverage to the same degree,” he said.

Critics allege the rule change allows insurance providers to offer low quality coverage and does further damage to Obamacare exchanges that are already bereft with astronomical premiums due, in no small part, to the Trump administration’s elimination of the individual mandate and drastic cuts to consumer outreach.

This move, critics say, will further bifurcate the risk pool as the healthy leave more expensive Obamacare-compliant plans in order to save money, leaving the elderly and sick to contend with even higher premiums.

Trump administration officials, however, argue the rule change will not significantly impact Obamacare risk pools. According to their estimates, roughly 600,000 people will purchase short-term plans over the next year before eventually reaching 1.6 million but only 200,000 of that group would have otherwise purchased plans from the exchanges.