When we first saw the paragraph Tuesday, just after the 1,018-page document was released, we thought we surely must be misreading it. So we sought help from the House Ways and Means Committee.
It turns out we were right: The provision would indeed outlaw individual private coverage. Under the Orwellian header of "Protecting The Choice To Keep Current Coverage," the "Limitation On New Enrollment" section of the bill clearly states:
"Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day" of the year the legislation becomes law.
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Thursday, July 16, 2009
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The House bill does not make private health insurance illegal.
ReplyDeleteThe bill does add various legal requirements for health insurance, for example, that they not withhold coverage from individuals with pre-existing conditions. Instead of simply immediately requiring that all insurers change their structures and conditions, the bill allows existing coverage schemes to be grandfathered in.
Thus, if you already have an individual plan that excludes people with pre-existing conditions, you can keep that plan. But new enrollees cannot choose that plan. New enrollees can enroll in individual plans, but they will have to meet the new requirements.