After Friday's (extended) deadline, Karen Pollitz, senior fellow at the Kaiser Family Foundation, explains health insurance exchanges and which states are setting them up, and which aren't.
One more thing, lest you think I am an individual buying insurance myself, this is the insurance I get through a major US corporation.
Brian, One aspect of health care reform under the Affordable Care law that I worry about is the expectations people who have not been able to afford insurance without the subsidies that now their health care will be "free". There is no education going on to tell them to expect high deductibles and co-pays that I am sure they will wind up with. Someone needs to start talking about the reality of what health insurance has become. My yearly deductible as an individual is $2500, if I had a family the deductible is $7500. My Out-of-pocket is $5000, for a family it would be $10,000. Granted this is a high deductible policy, but to get lower expenses I would have to pay the equivalent in premiums.
I currently have an individual health care policy with Oxford. Earlier this year, I checked the NYS exchange, found an Oxford policy that was similar and less expensive. I contacted Oxford to see if I could switch and was told that I'd have to go without insurance for a year before I would be eligible to buy the policy. Is this true?
How will the exchanges affect people who have individual policies?
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