I live in CA and have an individual plan I pay myself with no government assistance. It's expensive ($1600/month) but has good benefits. I've had it for 18 months.
I will likely need surgery in 2021. If ACA is eliminated by SCOTUS in November will I lose my insurance and future access to all commercial health insurance providers permanently?
Anonymous
If ACA is repealed, the federal law is eliminated and it goes back to the state to make laws for insurance in that state. It would be up to California to determine whether an insurer can dump you for having a preexisting condition.
I rather doubt that would happen in California. I live in Washington and we were the first state in the country under insurance commissioner Deborah Senn to prohibit insurance companies from dumping those with preexisting conditions. This was back in the '90s. Everyone in the country who had a preexisting condition moved to Washington until other states followed.
Zarnev
When the ACA was voted through it took nearly 3 years for it to take affect. Even if the ACA is repealed nothing will happen in 2021. Nobody would want to disrupt the market that much.
If it is repealed pre-existing conditions will still be covered because it would be political suicide for ANY politician, including state insurance commissioners, to do otherwise.
The posturing that you're hearing is nothing more than fear mongering.
Anonymous
If ACA is repealed, the federal law is eliminated and it goes back to the state to make laws for insurance in that state. It would be up to California to determine whether an insurer can dump you for having a preexisting condition.
I rather doubt that would happen in California. I live in Washington and we were the first state in the country under insurance commissioner Deborah Senn to prohibit insurance companies from dumping those with preexisting conditions. This was back in the '90s. Everyone in the country who had a preexisting condition moved to Washington until other states followed.
Judy
no,......................................