Quote:
Originally Posted by Robbie
I've had health insurance since 2002.
I simply walked into Blue Cross/Blue Shield and bought it. No "enrollment period" that I knew of.
And when I used State Farm (14 years ago) and now Farmers (starting 2008) to insure my homes...both companies tried to get me to switch over all my insurance.
Is this something that is new? I always used to see health insurance companies advertising all the time. And I never heard the ads say: "But you can only give us your money during a certain time period."
Anyway...it seems to go against the idea of getting everyone insured, and creates a window of time where some people will be uninsured. Kinda dumb.
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hello sir. prior to the ACA, you could buy a policy any day of the year. but the insurers would say no-way-jose if you were sick. As the ACA bans denying clients who are sick, enrollment periods are the only means to ensure the actuaries can calculate a profit for the capitalist insurance companies who do nothing but add a 50% markup for healthcare services.
if people can enroll any day of the year, insurance would be nonviable & either most people would go bankrupt saving their lives, or we would need a national healthcare program like the VA or medicare.
so the choice is price gouging insurers, or medicare for all. Obamacare is a hybrid. medicare for the poor(at least for the blue states LOL), & subsidies to pay the insurers the price gouging part of their fees so its affordable to the middle class.
