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Need help installing Autodesk Subassembly Composer Civil 3D? Learn how in this great support Autodesk Linked Learning System Tutorial.Obamacare-era insurance plans that lost their federal “pre-existing conditions” protections last year and that can’t re-enroll in the program after a couple of years on the exchanges can be renewed for a year under a temporary federal rule issued today, but some insurers also say that some of their current plans are likely to be sunset in 2016.
Norman Ambach, a spokesman for the Independent Insurance Agents and Brokers of America, which represents independent health insurers, said these are uncertain times for the industry and said they’re not sure if a plan will even be available by 2016.
“There’s nothing in this that insurers or agents really understand. We just know that we’re in limbo,” Ambach said. “It’s like being a parent and not knowing what’s going on with the kids.”
According to Ambach, many insurers are moving to different plans from 2014 or 2015 that don’t have the pre-existing conditions protections or cannot be renewed.
“It’s going to be a scramble to determine what the best health care policy will be for you,” Ambach said.
Pre-existing conditions-only plans also will be difficult to find at the time a renewal is due. Ambach said some healthcare plans will try to get renewals in a year early, such as in February, but as of today, that’s not clear.
“The rules are vague,” Ambach said.
Ambach said he isn’t sure if it’s fair to say that every insurance plan under the new, single-payer health insurance exchange will be “sunset” in 2016.
Health insurers are having a hard time making sense of the exchange rules and the politics of the program. Insurers are leaving plans with more than 50 percent federal government subsidies and moving to policies that must have at least 70 percent of premiums subsidized by the federal government, or 80 percent for one policy choice.
Currently, these “silver plans” are the second-lowest-cost plans that cannot be chosen by the consumer. But Ambach said many insurers believe they have to move to silver plans, which are not available in some states. If the move is made, the costs will be high for the consumer who will be
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