No, I think the honest statement would be "You can keep your old insurance plan, unless your old insurer decides not to contine to offer coverage to you"...which is, BTW, exactly the way it has always been. As an underwriter, I tended to reject insuring professional associations anyway, since there was not "working at least 30 hours per week" elibibility requirment that is in employer group contracts. This meant that individuals continued to pay their dues and permiums to any age, which made these groups top heavy with old, sick folks, as opposed to employer/emplyee groups, where people usually retired around 65 and were taken off the billing.
Aren't you a social miracle worker.. Old, sick people UNDER 65? Not working? That's for municipal, state employees only dude..
And what is the meaning of portability if you can't continue that policy to age 65?
Wasn't the insurer that decided to BAN and OUTLAW non-employer national groups.. But of course the folks who wrote the legislation KNEW that no association in their right mind could afford to contract for INDIVIDUAL policies for their national memberships..
It was CALCULATED to remove the choices of forming groups. So that employers and govt would be the only game in town..
Tenn, You are so far off base that you are no even in the ball park.
Associations have no"'actively at work" requirment in thier insurance contracts. therefore, individuals remain insured under the policy until they die, whereas with employer groups, they eventually become too sick to work, and are taken off the billing. That is why association groups are not desirable risks. Insurers milk them in their early years, but as the adverse selection gets worse over time, they look for a reason to dump them. That is what happened to you.
There is no such thing, and never has been "portability' between group and individual contracts.
You seem to feel that the association "can not afford" to issue individual contracts. Tenn, the association issues NO contracts. they are issued by insurance companies, not associations, and have been issued by insurance companies for almost 100 years, and will contine to be be issued by insurance comapanies under ACA. The insurance company that underwrites your association group contract has chosen to get out of association group insurance. Well, hoop-de-do! I have worked for no less than 14 insuarance companies in the last 50 years who have ALSO chosen to get out of association group contracts. In fact, 12 of them have gotten out of group health insurance all together, leaving their former customers with nothing. Under ACA, for the first time, these people will have the option to buy coverage elsewhere, regardless of their health.
Geeze, Tenn, do you wake up in the morning sorry to discover that you have lived another day? For the very first ime in your life, you are being given the opportunity to buy a policy which can not be canceled by the insurance company for any reason other than your failure to pay the premium, regardless of your health, and this pisses you off.