- June 9, 2016
- Posted by: Tony Lehrman
- Categories: Arizona Blue Cross, Arizona Group Health Insurance, Arizona Health Insurance, Arizona ObamaCare
We thought this was a joke but it’s not…
Currently, someone in Arizona can get a short-term health insurance plan that can last for six months. When it expires, you can get another one for six months more. The short-term plans are very inexpensive. VERY inexpensive. But they don’t cover any pre-existing conditions and they don’t pay for maternity benefits. So Mr Obama and his minions hate them.
The US government’s Centers for Medicare & Medicaid Services (CMS) via the Department of Labor, Department of Treasury, and Department of Health and Human Services (HHS) just said “We need to stop letting Americans buy short-term health insurance plans! They are VERY inexpensive, they can go into effect the day after someone buys one, and a lot of people want one! We can’t allow this! We want all Americans to pay a LOT of money each month for their health insurance. They better pay for maternity benefits even if they don’t need them! They should pay $1200 per month for their health insurance plan, not the measly $200 a short-term plan would cost them!”
For a cost comparison — for a family with a husband 37, wife 43 and three children, an ObamaCare policy from Blue Cross Blue Shield of Arizona with a deductible of $1,000 would cost them $1,357 per month if they live in Maricopa county. A short-term plan from United HealthCare, with a deductible of $1,000, would cost them just $415 per month.
Under the new proposed rules, short-term policies may be offered only for less than three months, and coverage cannot be renewed at the end of the three month period. You can read more here.
The governmental agencies claim the proposed changes will help “strengthen the risk pool by ensuring that short-term limited duration plans are used only as intended, to fill temporary gaps in coverage.” They don’t care that a short-term plan may be perfect for you, they want to limit you to one three-month term, and then MAKE you pay for something you may not need and at a MUCH higher monthly cost. You better watch out if you drive a Porsche. The government could one day make you get rid of that car and buy a station wagon if they think it would be better for you.