Options Denied
After determining that they’re not eligible for a Special Open Enrollment, I explained that there’s not a lot that we can do for them. Yes,there are cheaper alternatives, but they’re either underwritten, or exclude pre-existing conditions (or both), or offer much more limited benefits than their current plan.
Out of curiosity, I looked at the 404Care.gov site, and saw that the least expensive offering there featured a $7,900 deductible (almost 60% higher than their current plan), and cost almost $640 (about 20% higher than their current plan). They would almost certainly qualify for a subsidy, but that, too, is a moot point until the Fall.
I felt bad explaining to them that, as frustrating as it is, their current policy is the least bad alternative (at least until the next Open Enrollment period). I truly hate that, but I couldn’t in good conscience recommend any other plan.
/sigh
Source: http://insureblog.blogspot.com/2019/05/options-denied.html
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