Every year means a search for "new life insurance" at the end of life

Continuity of care with the same set of doctors was a goal of the Affordable Care Act, but annual changes in policies, and cancellations, make that more difficult - HealthFormative

It happened every fall for the fifth consecutive year. After deducting the network of premiums, doctors, drugs and other press releases over several months, Cyndee Weston received a notice that their policy was canceled on 31 December and needs to be newly launched .

"It is painful to compare and compare all plans," Weststone (55) said insurance and diabetes and melanoma are not included. "Every year there is the same scenario:" We will not update policies "

Under an affordable care law market-based system, people are encouraged to purchase each year to find the most suitable insurance for their medical needs and income. But in reality, many people, including Watson, the business organization manager of Sulfur, Oklahoma, need to spend time shopping when the insurance plan leaves the local market or closes the hospital There is a reality that there is. Preferable. And a network doctor.

With affordable care laws, the number of insured persons increased by 20 million and insurance non-participation rate decreased to 9%. However, the challenge of finding new insurance every year is likely to make it difficult to care for those who have constant medical treatment, especially those with chronic health problems. This issue has become complicated this year as uncertainty was introduced by President Donald Trump 's government. The threat of abolishing or regulating the law is confusing in many domestic and local insurance markets.

Marianne Udo Phillips, director of the University of Michigan Health Research and Transformation Center said, "There are many people who are temporarily unguaranteed or moving on different floors." This year, Considering the change, I think it will be even bigger. "

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Registration rate NOV based on affordable care law after the last year. 9, 2017

Families of the middle class are facing soaring medical insurance. November 16, 2017

To take a number
After May 22, 2010, nearly 20 million people have insurance
According to a survey by Udow-Phillips et al., Less than half of market insurers in 2014 are maintaining the same level. Only one-third of market participants in 2017 were new customers. Millions of people will change the coverage in the registration season of 2018 that started in most states on 1 November and ended on December 15.
The necessity of purchasing insurance mainly affects people who purchase it alone, such as owners of SMEs or individuals working alone. Registration in the online market in 2018 is due to an increase in insurance premiums against several plans, a false assumption that health laws have been completely or partially canceled, and for the decision that the government will end at $ 7,000 It was complicated. Millions of scholarships.

There was no prediction of this type of settlement when this bill was drafted. Also, as individuals often purchase individual plans to fill the gap between employment-related insurance and other insurance benefits, this market is already on the rise before the law is enforced. However, recent turmoil makes the management of the system particularly difficult, even if the coverage rate increases, analysts say.

“It’s agonizing going through all the plans and trying to compare,” said Cyndee Weston, 55, whose job doesn’t come with insurance and who has diabetes and a history of melanoma

Many of the plans that we rely on in 2017 have been canceled, as insurers leave the market to keep premiums low and redefine coverage. Aetna and Humana stopped selling individual 2018 market plans after losing money. UnitedHealthcare suddenly fell.

Hundreds of districts have only one market insurance company next year, despite the increasing competition in large cities. The average number of operators selling individualized market plans has decreased to 3.6 per state next year compared to 5.0 in 2014.

Sabrina Corlette, who is studying the insurance of the Institute of Health Policy at Georgetown University, said, "I do not say that's the ideal." Ultimately, consumers read the brochure We are expecting that it will change year by year. "

In addition to extending coverage, this instability hinders another main purpose of affordable care law. Former President Barack Obama told the "broken system" neglected precautionary measures. This can lead to expensive and unnecessary medical procedures. Sometimes they blended doctors and patients who were not effectively communicating.

In other words, it was to pressure insurers to diabetics to improve diet, provide energy to patients, prevent asthma attacks and improve care while controlling expenses. From the outset, preventive investment was thought to compensate insurers over time as people need cheap ER or hospital visits.

However, this equation does not work for people with new insurance companies or new insurance companies every year.

Medical school and health scholar of health department Harvard Medical School Benjamin Sommers said, "Insurance breaks are a longstanding problem in the US health care system, but there is concern that ACA has added a whole new level" , Especially among low-income families and irregular employers.

For example, in most states health laws are applied to most low-income adults, so unemployed may be subject to Medicaid health insurance. However, if you gain work and salary, you can not qualify for Medicaid. You can not qualify for Medicaid. This leads to subsidized market plans and changes in coverage.

Medicaid often has a confusing menu of managed care plans, usually covering the lowest income people. Subsidized market plans are applied to middle-class families.

According to the doctor's survey, about a quarter of low-income adults reported changes in press in the past 12 months, according to Summers in 2015. It was lower than expected, but it was still a problem. summer.

A copy of the notice Cyndee Weston received stating that her policy would be canceled.

This is due to the fact that more than half of those who have changed the disparity in political report argue that many people have missed medicines and health. Even those who did not interrupt the exposure, the doctors changed frequently, they took the schedule and was seeking emergency medical care.

Even in states with laws that lead physicians to patients under active treatment, this is not a recipe for stable medical or long-term treatment strategies.

"It takes time to properly balance and adjust the patient's condition," Dr. Natsu. "Every year, if a new doctor group and a new nurse appear, it will be more difficult."

Mrs. Weston sailed in the country. For many years, he owned the same insurance company, Blue Cross Blue Shield in Oklahoma State, which dominates the market of individual national plans and by the year 2018 it is the only provider on the market.

However, even if the courier is the same and all health stakeholders must engage insurers due to health actions, the plan to be canceled each year will be to acquire a new cover sheet, submit a new document to the doctor, For one year, Blue Cross automatically entered a bronze plan that we did not want, so I decided on another golden plane, "Weston says.

Even if insurance companies remain in one market, they may change plans from year to year, change coverage of drugs, or increase reimbursement expenses. As with Mr. Weston, it is often necessary to cancel previous plans and change subscribers.

"Every year we evaluate the content of the plan and make necessary adjustments to better meet the members' expected health needs," said Dr. Blue Cross, Oklahoma State Melissa Clarke.

After Weston's first doctor left the network this year, he struggled to find a new one, although he said that his list of physicians has not changed significantly.

"When I take medicine and go to a new doctor, the medicine will change or it will not be covered," he said.

A couple of weeks ago, Blue Cross warned you that you would cancel your current plan on 31 December. Please purchase Mrs. Weston once again.