(Yes, if a catastrophic medical emergency arises, much of the hospital bill will be paid. But isn't that just like the old "major medical" or catastrophic care policies? Except without the low cost. And if so, wouldn't it have been cheaper and more efficient to just provide everyone medically indigent with a high deductible catastrophic care policy under Medicare or Medicaid?)
...and is the coverage rate still calculated as having insurance the entire year with no even brief gaps?