The cost of the individual mandate is nothing compared to the cost of a decent health insurance plan. People are not enrolling in health insurance because it is too damn expensive. I don’t know what percentage of the decline in new enrollments for Covered California is due to expensive health insurance and they don’t know either. Talk to any health insurance agent they will tell you they fielded many calls from consumers wanting a lower rate on health insurance. They were willing to take anything, even if crappiest of plans if they could just afford it. I don’t sell them, but I had to inform people of the health care sharing ministries. These health care sharing plans are not insurance, but they can seem like a health plan for half the cost of a Covered California plan. How many people enrolled in these health care sharing plans and by-passed Covered California and the off-exchange plans altogether?
So when an intelligent person calls me and wants my assistance with an insurance transaction that will benefit them greatly at the expense of all my other clients who faithfully make their premium payments every month, with no claims for years, I get an uneasy twinge in my gut. I am not a cheerleader for the health insurance companies. But at the same time I see no reason for me to facilitate an enrollment that will only add additional costs to the system when that client jumps out of the pool.
For Certified Insurance Agents enrolling clients into health plans through Covered California for an August 1, 2014 effective date, many have been asking why it is taking so long for the enrollment data to be transmitted to the carrier. Customer Service Representatives at Anthem Blue Cross and Covered California acknowledged on July 28th that enrollment […]