people who buy health insurance this fall may have to change them - as they may
not comply with President Obama's Health Care law. They along with some small
businesses will have to find replacement plans.
state officials are worried about the confusion that may abound. The Affordable
Care Act is going at a galloping pace even though many Republicans tried to
market places or health exchanges will be operational from October and mid
segment people can buy their insurance and low income people will be covered
under expanded Medicaid - if the state has the option.
there are many bumps, which is to be expected this will be another added bump
in trying to cover almost 50 million uninsured people.
The President had
promised that: "If you like your health
care plan, you'll be able to keep your health care plan." Once consumers
realize they are getting a superior coverage under the new law they won't mind
Health and Human Services
spokeswoman Joanne Peters released a prepared statement saying: "Beginning
in October, individuals and small businesses will be able to shop for insurance
in the marketplace, where we are already seeing that increased competition and
transparency are leading to a range of options for quality, affordable
About 14 million Americans
presently purchase their health policies individually, a number expected to
more than double eventually because of the new law's subsidies and one-stop
insurance markets. But the transition may not be very smooth.
"The impending changes ...
have the potential to cause policyholder confusion," said a recent memo
from Iowa Insurance Commissioner Nick Gerhart to insurers. Though a
Republican-led state, Iowa is helping to carry out major portions of the health
In Washington state, the changes
will affect more than 400,000 people, said Stephanie Marquis, spokeswoman for
insurance commissioner Mike Kreidler. Marquis said she expects the premiums for
replacement plans to be similar to current ones, but with better coverage.
"Your costs involve more than
your premiums," Marquis explained. "It's also what you would have to
pay out of pocket if you had actually used your health plan."
"You're going to be forcibly
upgraded," said Bob Laszewski, a health care industry consultant.
"It's like showing up at the airline counter and being told, 'You have no
choice, $300 please. You're getting a first-class ticket, why are you
"If you like your health care
plan, you'll be able to keep your health care plan, period," the president
reassured the American Medical Association. "No one will take it away, no
At the time, some saw the promise
as too broad, given that health plans are constantly being changed by the
employers that sponsor them or by insurers directly.
State insurance spokeswoman
Marquis said, "I don't think it is necessarily a bad thing that they are
going to be getting a replacement notice, because they going to be able to go
out and shop in this marketplace and they'll be getting better coverage."
Hannah Punitha (IRDA Licence Number: 2710062)
Ricardo Alonso-Zaldivar, 30th