Quote:
Originally Posted by ThePrince
Again, misleading. This is not how things would play out.
If you got laid off, you would use the 60 days to look at marketplace plans, which in a state like CO are in the $300/month range (for a single person) and if you are a low income earner, you likely qualify for Medicaid or a reduced monthly premium. If you didn’t have any medical events over those 60 days, you would elect into your marketplace/Medicaid plan. If you did have a medical event, then you’d probably elect COBRA, then opt out and go with a marketplace plan.
You would never be “uninsured”. If something happens, you go with COBRA retro-actively. If something doesn’t happen, you go with a marketplace plan/Medicaid.
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If I get laid off, I'm spending my next 60 days looking for work so I can be insured again, and not going through the ridiculous paperwork and administrative nightmare that you just described.
Besides, how many people even know about the options you just described? I can probably count them on one hand, which is sort of the issue. When you obfusticate the path nobody will take it.
The system is needlessly complex, expensive, and difficult to navigate.
This isn't even getting into the fact that once you're insured you're still hit with co-pays, deductibles, or even denial of coverage that you're entitled to. Then you have to pay legal bills just to fight for the coverage that you're owed by law. This is why even if you're covered, but have low income, you're not using your coverage unless it's life or death. This is what leads to early deaths and poor health overall: Delayed or obstructed care. It's criminal.
Nah man, the whole thing is bull####. It doesn't work to actually address health concerns in a proactive and cost effective way (prevention is far cheaper than reactive emergency care), it has ridiculously high administration costs that don't directly benefit people's health, and it works to create a permanent underclass.