But that’s not how it works. If you find out you need the expensive tests, then best-case scenario, you find out during open-enrollment (October-March this year, October-December in later years), sign up, and have coverage effective Jan. 1. Worst-case, you find out after open-enrollment ends, and you need to wait until the next year to purchase coverage.
Yes inability to sign up outside of an open enrollment period and then only for the coming year, blows his theory out of the water.
His plan works only for an illness that is slow or can wait an average of 6 months for treatment.
Yes inability to sign up outside of an open enrollment period and then only for the coming year, blows his theory out of the water.
His plan works only for an illness that is slow or can wait an average of 6 months for treatment.
The question in this scenario is do you have cash, or credit, to handle the expense until then? If so no problem. However, the penalty keeps escalating and at some point it will be smarter to pay for coverage rather than care and penalty.
One approach to avoid having the govt decide what your care will be is to go outside the govt controlled system. Buy a plan from an exempted co-op that covers catastrophic problems and pay for the rest yourself. Concierge Doctors are becoming a big industry and people who don't want to be under the control of govt owe it to themselves to look into it.