Quote:
Originally Posted by IllTestYourGirls
They are proposing that if you do not have insurance when the plan goes into law you have to buy the government plan, and if you get dropped by your insurance company you have to buy the government plan. You can not change your policy with the current plan and you can not change providers once it goes into law.
Maybe you dont understand what they are proposing?
"Limitation on Enrollment" section on Page 16:
Secection 102(a)1(A)
So you better be able to afford your current plan for ever or expect to have to pay the government plan.  |
There is talk going around that the Health Care Reform Bill makes Individual Private Health Insurance illegal. I believe that IBDeditorials.com originally posted this hooey and it has circulated around the conservative talking sites like the new gospel.
Please take note of how all the articles don't tell you that the bill is online as H.R. 3200 and the line they quote is in Sec. 102 of the bill.
They quote H.R. 3200 Sec. 102 (a) (1) (A) - "IN GENERAL- Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1."
Which, taken alone, could be scary and might support their claim. However, taking note that Sec. 102 (a) is "Grandfathered Health Insurance Coverage Defined", it kind of throws their whole claim right out the window of credibility.
Quote:
SEC. 102. PROTECTING THE CHOICE TO KEEP CURRENT COVERAGE.
(a) Grandfathered Health Insurance Coverage Defined- Subject to the succeeding provisions of this section, for purposes of establishing acceptable coverage under this division, the term `grandfathered health insurance coverage' means individual health insurance coverage that is offered and in force and effect before the first day of Y1 if the following conditions are met:
(1) LIMITATION ON NEW ENROLLMENT
(A) IN GENERAL- Except as provided in this paragraph, the individual health insurance issuer offering such coverage (IE `grandfathered health insurance coverage') does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1.
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Not tackling any other claims, merits, flaws or anything else about the Health Care Reform, the articles shouting about the bill making Private Insurance illegal are a load of crap.
:::: Further Explanation :::::
Section 102 is laying out the requirements for Grandfathered Health Care Coverage. This means that the text refers to what an Insurance Provider must comply with in order to keep current plans from falling under the Bill's requirements for Insurance.
Your current insurance will not be required to meet the Bill's policies as long as they don't enroll new people, start charging you a lot more or change any of its terms or conditions.
If for some reason you change insurance providers or re-work your insurance, the New Insurance Policy will have to comply with the policies and requirements of the Bill.
Again, "does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1." refers ONLY to keeping a policy's status as "Grandfathered" or Immune to the requirements of the Bill. It does NOT apply to New Policies.