Screwed by the Liberals Again

In case you missed it, the liberal government passed some new health insurance laws again last year that went into effect this year.  (https://help.ihealthagents.com/hc/en-us/articles/20207003806871-New-Short-Term-Health-Insurance-Law-Rules-for-2025) 

Let me set you the stage for how this effects me (and possibly you)...

For the last several years, I've been using short term health insurance.  It bypasses the Obamacare mandate, which makes it way cheaper.  I can't afford health insurance any other way, so there I am.  It's not great, but it's better than nothing.  Every 6 months, I would have to sign up for a new policy.  When I got the email saying my insurance was expiring, it seemed like it was the wrong month to renew, but I shrugged and got on with signing up.  That's when I noticed that all the new policies were 3 month with a 1 month extension.  I guess when I signed up in March for my new policy, I missed that fact.  Okay, fine, whatever.

I went into the site, did my thing, found my policy, and went through the process of getting my new policy.  5 days went by while I waited for my acceptance.  Instead, I got an email saying my application for new insurance had been 'withdrawn'.  Unfortunately, I got the email right before I went to bed, so there wasn't anything I could do about it (which didn't stop me from obsessing over it all night).  And time was ticking because my current policy would run out on the 30th.  

The next day, I contacted the company that manages this crap - ehealth, I think it's called - via chat message on their site.  The gal told me she couldn't help me and I would have to call.  So, I called.  I got a really nice lady who calmly explained to me that the law had changed last September and, in addition to the policies only being for 4 months each, they cannot be from the same provider twice in the same year.  They withdrew my application from United Health because I can't have them again this year. 

The only other companies offering short term insurance in my state... because, ya know, Obama fixed it so we can only have certain companies offering insurance in our states... are unheard of to me.  And either of them only offer indemnity policies instead of regular policies (PPO or EPO).  

I picked one and submitted a new application, because what choice do I have?  Even if I could afford to get a regular policy, you can't sign up for one of those outside the month of November.  (Obama again... although in all fairness, it's not just him. It's him and his cronies.  And Biden and his handlers.)  

So, as long as my application got accepted, I would have insurance.  Until 10/31.  (It was accepted, btw. So yay, I guess.) Then I'll have to go with the other unknown indemnity company for 4 months before I can go back to UH.  Lather, rinse, repeat.  On the upside, the new policy is cheaper with better coverage... except for the indemnity thing where we'll have to pay out of pocket and get reimbursed by the insurance afterward.  

While I was doing this, I accidentally ended up in the section for regular insurance quotes, and discovered that the cheapest of those was $750-ish a month.  Almost twice what I was paying UH and more than 3 times what I'll be paying the new company.  That's like half our monthly income.  

Yes, I know some of this is my own damn fault, right?  I could crawl to Obamacare and beg for alms, but my hypocrisy only goes so far.  Come November, I might have to debase myself and do that or choose to go insurance-less.  

I'm a healthy gal.  I can go without insurance, right?  (Don't worry, I'm not that stupid.  Bad things have a way of happening, especially when you temp fate by going without insurance.)