Howard Roark
VIP Member
- Aug 8, 2010
- 331
- 26
- 68
I've been in the individual market for 40 years. Before ACA, it was common for companies to stop writing business in an area, and I had to shop elsewhere. I don't have any P.E.Cs, but as long as I had no lapse in insurance longer than 30 days, they would be covered anyway.Depending on your pre x you could not get insurance before ACA unless it was a temporary plan, all individual plans were medically underwritten (asked health questions) before ACA and so were and are temps today. Before ACA you had 60 days to get other coverage if you could pass underwriting or going on a group health insurance plan. Employer group insurance was only cheaper because normally your employer paid 50% of your premium, most true premium's were more expensive than an individual plan, now they are damn near neck and neck.
ACA gave every individual the same coverage as groups, at the same price. At least, before House Republicans de funded risk corridors, and cost sharing.