HomeLatest ThreadsGreatest ThreadsForums & GroupsMy SubscriptionsMy Posts
DU Home » Latest Threads » Forums & Groups » Main » General Discussion (Forum) » This might be a dumb ques...

Thu Aug 1, 2019, 04:12 PM

This might be a dumb question, but why is there an open enrollment period that closes for ACA?

I have some really crappy insurance right now and would like to see what I could get under ACA, but open enrollment always seems to be closed. Plus, I hate even shopping for insurance anymore since any inquiry seems to lead to unending sales calls and spam. Any suggestions out there?

23 replies, 683 views

Reply to this thread

Back to top Alert abuse

Always highlight: 10 newest replies | Replies posted after I mark a forum
Replies to this discussion thread
Arrow 23 replies Author Time Post
Reply This might be a dumb question, but why is there an open enrollment period that closes for ACA? (Original post)
Ohioboy Aug 1 OP
mopinko Aug 1 #1
Ohioboy Aug 1 #6
mopinko Aug 1 #9
Ohioboy Aug 1 #10
dpibel Aug 1 #12
SoCalNative Aug 1 #23
Voltaire2 Aug 1 #2
OilemFirchen Aug 1 #16
Voltaire2 Aug 1 #20
OilemFirchen Aug 1 #22
Blue_true Aug 1 #3
gratuitous Aug 1 #4
Ohioboy Aug 1 #8
Skittles Aug 1 #5
Ohioboy Aug 1 #7
Skittles Aug 1 #11
songbookz Aug 1 #15
Skittles Aug 1 #18
Voltaire2 Aug 1 #21
Midnightwalk Aug 1 #13
Ohioboy Aug 1 #14
Midnightwalk Aug 1 #19
Trenzalore Aug 1 #17

Response to Ohioboy (Original post)

Thu Aug 1, 2019, 04:17 PM

1. there are exceptions.

if you have an event that changes your insurance coverage, liked divorce, unemployment, aging out, etc, you have 60 days to get a new policy.

and the spam, yeah, bout to turn 65, and ready to throw my phone in the lake. my shredder is workin overtime.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to mopinko (Reply #1)

Thu Aug 1, 2019, 04:28 PM

6. I don't qualify for special enrollement

Why is there such a time period where the damn thing closes anyway?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Reply #6)

Thu Aug 1, 2019, 04:31 PM

9. moral hazard.

it's the only way to keep people from waiting until they are sick to buy insurance.
it dont work that way.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to mopinko (Reply #9)

Thu Aug 1, 2019, 04:34 PM

10. But, I'm not sick

Other insurance is available to buy year round, is it not?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Reply #10)

Thu Aug 1, 2019, 04:45 PM

12. Exclusionary periods

Most individual plans, and some group plans, have waiting periods for coverage of various conditions. Same effect: prevent you from waiting until you get sick to buy coverage.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Reply #10)

Thu Aug 1, 2019, 06:10 PM

23. The insurance via my employer

has open enrollment once a year if you want to change coverage or plans, you have to wait until then. But you are covered when you start you job.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Original post)

Thu Aug 1, 2019, 04:18 PM

2. Vote for Warren Sanders Harris or any of the other candidates who support MFA.

Because the current system is crap.

Open enrollment locks people in for a year. Guarantees rent income to the insurance company you chose. You made a bad choice, sucks to be you. Great system, wouldn't want to change it.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Voltaire2 (Reply #2)

Thu Aug 1, 2019, 05:14 PM

16. Pssst...

There's open enrollment for Medicare, too.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to OilemFirchen (Reply #16)

Thu Aug 1, 2019, 05:25 PM

20. Pssst MFA is different than Medicare.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Voltaire2 (Reply #20)

Thu Aug 1, 2019, 05:32 PM

22. I'm well aware of that.

Chalk it up to the morons who decided to call it Medicare for All instead of Medicaid for All in the first place. Don't they have grandmas in nursing homes?

Also, Medicare exists. No joke.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Original post)

Thu Aug 1, 2019, 04:20 PM

3. You can (or used to be able to) go to the ACA site and use the estimator.

You don't have to sign up. You should be able to view a number of policy options that meet your (and family) particular needs.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Original post)

Thu Aug 1, 2019, 04:23 PM

4. The 2019 Open Enrollment period is Nov. 1 through Dec. 15

Republicans have worked very hard to sequester information about the ACA from the citizens, running practically no public service ads and certainly not going out of their way to help people get signed up.

The government website is here: https://www.healthcare.gov/blog/when-is-2019-open-enrollment/

If you have experienced a significant life event (moving, getting married, having or adopting a child, losing your current coverage), you can change your insurance outside the open enrollment period.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to gratuitous (Reply #4)

Thu Aug 1, 2019, 04:30 PM

8. I don't qualify for out of enrollment

Thanks for the info though.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Original post)

Thu Aug 1, 2019, 04:25 PM

5. I don't get that either

why is there an enrollment period at all?

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Skittles (Reply #5)

Thu Aug 1, 2019, 04:29 PM

7. It's like someone doesn't want it to work

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Reply #7)

Thu Aug 1, 2019, 04:44 PM

11. yeah

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Skittles (Reply #5)

Thu Aug 1, 2019, 05:08 PM

15. To prevent people from waiting to buy insurance until they get sick

To prevent people from waiting to buy insurance until they get sick. You need plenty of healthy people paying premiums to afford to insure the sick ones.

For example, about 5 years ago and my wife drove me to the hospital, they diagnosed me with pneumonia, heart failure, and high blood pressure. The four day stay cost about $48,000. My premiums at the time were about $450 (a lot of it paid by the ACA subsidy, so. it would take 107 months worth of premiums just to pay for that visit or 107 people paying premiums without going to the hospital. To hvae allowed me to wait and buy insurance on the way to the hospital would bankrupt the system because most people would do that'

Reply to this post

Back to top Alert abuse Link here Permalink


Response to songbookz (Reply #15)

Thu Aug 1, 2019, 05:15 PM

18. I guess I just wish we had a socialized medicine option

where you are just always covered

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Skittles (Reply #18)

Thu Aug 1, 2019, 05:27 PM

21. That's crazy talk.

Think of the poor CEOs put out to pasture.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Original post)

Thu Aug 1, 2019, 04:46 PM

13. Coverage is not universal but cannot be denied

You can no longer be denied coverage for preexisting conditions.

Say you could sign up for coverage or change plans whenever you wanted.

Many people would wait until they were sick before signing up or would get the cheapest plan possible and upgrade only if they got seriously ill.

That would make insurance even more expensive since no one would pay premiums up front.

The enrollment period is the work around for that.

Universal coverage wonít need that patch for the things it covers but supplemental insurance would need some similar thing if it still exists.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Midnightwalk (Reply #13)

Thu Aug 1, 2019, 04:56 PM

14. So why can't they let you sign up if you don't have preexisting conditions?

You would think they would want as much business as possible, and not just limit sign up to a certain time.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Reply #14)

Thu Aug 1, 2019, 05:16 PM

19. Maybe that could work

Iím just a dumb engineer explaining what I thiught the rationale was.

I do remember that eliminating preconditions was an important achievement and something more subtle like you suggest probably makes that message less clear.

You can imagine the sound bites. Not only does ACA suck, it didnít even get rid of preconditions. Itís harder to explain that yeah it did get rid of them just not in this particular case.

Youíd also have to be able to write the law in a way that didnít let insurance companies screw people back into being denied for preexisting conditions

For example imagine an insurance company sending out offers to save 5% on premiums by switching your plan. But switching means they could deny coverage for preexisting conditions.

Hell I can imagine them mining patient data just to do that even if it is illegal.

Universal coverage is simpler. It is just hard to get there.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Ohioboy (Original post)

Thu Aug 1, 2019, 05:15 PM

17. Some people would abuse the system and would only enroll when they got sick

It is why there was the mandate.

Reply to this post

Back to top Alert abuse Link here Permalink

Reply to this thread