Is it tied to employment or is it tied to insurance companies who make it punitively expensive to get insurance without being in a group, and that group is typically "employers" ?
My wife runs a business and employs, typically, only 1 or 2 people; when they started asking for health insurance we found that getting insurance (as a business) was actually not terribly expensive; at the same time my insurance plans have gotten progressively more crappy.
I can't remember, or be bothered to find out -- how expensive is it these days to just get private insurance in the USA if you've got 3 hideously expensive pre existing conditions? I have some vague recollection that the obamacare thing requires that insurance companies offer coverage to people without regard to those preexisting conditions, and intuitively that seems "fair" but it's all such a pile of crap it's frustrating to dig through and demotivating. I assume "that's the way they like it."
> I can't remember, or be bothered to find out -- how expensive is it these days to just get private insurance in the USA if you've got 3 hideously expensive pre existing conditions? I have some vague recollection that the obamacare thing requires that insurance companies offer coverage to people without regard to those preexisting conditions, and intuitively that seems "fair" but it's all such a pile of crap it's frustrating to dig through and demotivating. I assume "that's the way they like it."
Take a look at your state's healthcare marketplace site. You should be able to browse plans if you put in your county/zip code and participant ages. Marketplace plans can't charge based on health history, and at least in my area, they all seem to cover the minimum required services and nothing else; they compete on networks and copay/coinsurance.
It's not the giant morass of pain that it used to be, but it's still somewhat of a pain, and often employer based plans are better; especially in terms of networks and out of area coverage.
My wife runs a business and employs, typically, only 1 or 2 people; when they started asking for health insurance we found that getting insurance (as a business) was actually not terribly expensive; at the same time my insurance plans have gotten progressively more crappy.
I can't remember, or be bothered to find out -- how expensive is it these days to just get private insurance in the USA if you've got 3 hideously expensive pre existing conditions? I have some vague recollection that the obamacare thing requires that insurance companies offer coverage to people without regard to those preexisting conditions, and intuitively that seems "fair" but it's all such a pile of crap it's frustrating to dig through and demotivating. I assume "that's the way they like it."