Talk of The Villages Florida - View Single Post - When this is over, what will change?
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Old 04-05-2020, 12:20 PM
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blueash blueash is offline
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Whatever else may happen, this should be a teaching moment of the risk of having your health insurance tied to your place of employment. When suddenly 30% of the work force loses their job, they will also lose their own and possibly their family's coverage. While the top few % can afford to pay for their own coverage, the many cannot.

Job loss does qualify a person to apply for coverage via the ACA [Obamacare] but this requires out of pocket payment and a large number of low wage earners do not qualify as when the law was written it was believed that those low earners would qualify for state Medicaid benefits.

To avoid being erased for political comments, I will avoid making any suggestion. But I do think that the pandemic illustrates a major downside of losing insurance at the same time as losing employment.

By the way, under the ACA you can buy coverage to begin the first day of the month AFTER your insurance ends. If your job loss is on April 3rd, fairly reasonable date in this environment; no ACA coverage, if I read the rules correctly, until May 1. Try hard not to get sick in April. A request to open the option to enroll earlier was turned down by the Federal Gov. And of course the Supreme Court has on its docket an appeal designed to completely end the ACA, to be heard after the November election. With no ACA, these unemployed low and moderately paid Americans would have no affordable market.

I foresee a push to change in how we provide health care coverage to our citizens.
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Last edited by blueash; 04-05-2020 at 12:27 PM.