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Remember health insurance before Obamacare 2?
Last comment by HMJC 2 years ago.

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Here’s a question for pundits and politicians outraged over people whose individual insurance plans are being canceled because they don’t meet the new health law’s standards. Have you forgotten what a nightmare this branch of health insurance was before?

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Obama says you can keep your old health plan a little longer. Should you?

To jog your memories, I dug out an article on the subject I did back in 2008. Its title: "On Their Own: Far From a Remedy, Insurance For Individuals is a World of Pain".


It featured the stories of:

The Georgia real estate agent whose group health plan was folding and who couldn’t find replacement insurance unless it excluded coverage of her $1,700-a-month rheumatoid arthritis medication, without which she would quickly become disabled.

The Arizona small business owner who could only find insurance if it excluded coverage of anti-rejection drugs he was taking for a successful liver transplant he’d had years before.

The Virginia early retiree who discovered he was uninsurable at any price because of his diabetes, despite the fact that he kept it under perfect control.

The Indiana lawyer whose longtime insurance company, following standard industry practice, deliberately shrunk his plan’s risk pool to drive his premium up to more than $4,200—a month!—and him out of the plan.

The article also featured the resuts of a survey we did, which found that 76 percent of uninsured respondents said they couldn't afford an individual plan. And the ones who were "lucky" enough to have this type of coverage didn't like it very much because it was more expensive and had more limited coverage than health plans available through an employer.

Because of the new health care law people like these, who did nothing wrong except to have the bad luck to be stranded in the individual market, can now get health coverage at a price they can afford. Insurers can’t turn them down or exclude coverage of the treatments they need the most. They can’t slice and dice risk pools to drive longtime policyholders away. They can’t charge them more because of pre-existing conditions.

I’m not the only person to call attention to this. Jonathan Cohn, writing in the New Republic, points out that “The most egregious insurance company abuses—rescinding policies for people who get sick, failing to pay for services that beneficiaries assumed were covered—usually come from the non-group market.”

So the next time you hear about someone whose individual coverage is being canceled because of Obamacare, consider that the new law is making this market work better for the vast majority of people who are either already in it or need to be in it because they have no other place to get covered.


Latest Activity: Nov 19, 2013 at 1:34 PM

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PoliticsNation commented on Tuesday, Nov 19, 2013 at 13:45 PM

What's pathetic is that you would post 4 related articles to push valid information to the back of the bus. I didn't look at that way but I thought it was important to have a balanced forum.

HMJC commented on Tuesday, Nov 19, 2013 at 13:57 PM

PN, that would all be fine and dandy if obama"care" were even remotely a success. It is failing at almost every level and has no way to sustain itself except by forcing people to pay to augment someone elses medical woes. The insurance industry on any level has always been problomatic but before you make sweeping changes, flip flop on provisions,do not have a feasable way to sustain; you don't implement it period. Like it or not lately there is a disproportioned amount of FACTS about the current and long term woes of this flawed legislation. This was pushed forward based on advancing ones own agenda as oppossed to what is best for ALL Americans. It's welfare 2.0, another entititlment program that will harness generations to come.

Funkentelecky commented on Tuesday, Nov 19, 2013 at 18:18 PM

Generally, this is the same thing Obama, Pelosi and Reid did to the public when passing Obamacare on straight partisan lines. PN isn't pathetic, but what she did was"the act" I know what's best for this forum so I'm ramming the same blog part 2 down your throats , whether you like it or not."if you like your doctor you can keep your doctor, period."

Did anyone other than Chief actually read the 3 part blog series of the 45M Who are these guys?
That series explains in detail why Obamacare was predicated upon false information.

HMJC commented on Wednesday, Nov 20, 2013 at 10:33 AM

It doesn't seem to matter how flawed it is; some choose to drink the kool-aid that does not affect them directly. Most people have a different perspective when it is their insurance doubling based on some services they will never use. It is very easy to praise a program that is not a detriment to yourself or your Familiy. As we have seen over the last two weeks the amount that obamacare is helping is drastically disproportioned to the amount is hurts. These are FACTS folks, not just an opinion however; everyone has a right to continue to believe in a lame duck program that could use a little TLC itself...

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