GQjock saidSeems like a McGuffin if you ask me
The policies in question are ones that are deemed substandard
.....Basically policies where the insurance companies are giving you NOTHING for a whole lotta money
In my case as a single .... self employed male
I had a policy that was the lowest of the low
Catastrophic care with a huge deductible and copays
I went under the Obamacare site and got a new policy for half the price no copays and no deductible ..... WITH DENTAL
You are just not even credible here. I'm not an insurance agent and I'm not an expert in health insurance, but as someone who has bought my own insurance in the individual market for more than 15 years now and as a business owner who has to negotiate the health coverager for the employees of my business I can say that what you are saying makes no sense to anyone with at least two working brain cells, a little information and who takes two seconds to think about what you just said here.
1. As I already pointed out, as did the clip I posted, the websites offer you nothing different than you would get from an insurance provider in your state (maybe that's because the plans are actually through the same insurance providers), Unless you qualify for subsidies
.Just incase you missed that, the websites are only for those people who will be getting subsidies!
2. To qualify for subsidies a single person can make up to $40,000/yr and a family of four up to $90,000/yr- This information has been out there for a while now- In order for you to be able to access something different on the web site than is available from an insurance provider, you would, as a single man have to make less than $40,000/yr.
Therefore, in order for your insurance premium to go lower and have no deductible, you would have to make substantially less than $40,000/yr in order to be so heavily subsidized as to have your premium lowered so much and have no deductible.
3. To have a lower premium and no deductible is just counterintuitive ! The reason for a deductible is, quite simply to lower the premium by keeping the insured from making claims for every small issue. If you choose to buy a policy with $0 deductible, you would be covered from the first office visit and would, therefore, necessarily have to pay more in premiums because you would be using more of your insurance's pool of funds than the person who has a deductible.
In other words, what I'm saying is that you get a lower premium because you have a deductible, not the other way around. You don't get both! That's just elementary.
4. If you went on the web site, you didn't actually buy anything. The reality is that you go on the website your information is forwarded to an insurance provider who arranges to meet with you to sell you a policy, you aren't even guaranteed to get the policy you think you have. In order for you to be covered by January 1, you have to pay your first premium by Dec. 15. In order for you to buy the insurance policy you claim to have gotten you first have to be sold that plan by an insurance agent and pay the premium by Dec 15. Come back and tell us about your new plan once you've paid your first premium!
I could go on, but I'll stop here.
Like I said before, you have no credibility, at least not with any think person, after what you posted!