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This site is the inspiration of a former reporter/photographer for one of New England's largest daily newspapers and for various magazines. The intent is to direct readers to interesting political articles, and we urge you to visit the source sites. Any comments may be noted on site or directed to KarisChaf at gmail.

Monday, November 4, 2013

For some, losing so-called bad apple health insurance plans will mean paying more for less -- By Susan Ferrechio, The Washington Examiner

Hadley Heath's health insurance plan seemed to have it all. A low deductible, low monthly premium, and comprehensive coverage that even included free preventative care.

But Heath's insurer, CareFirst Blue Cross Blue Shield just sent her a letter, announcing they will terminate her plan because it lacks "Essential Health Benefits," mandated under the Affordable Care Act.

Health is one of millions of people holding individual health insurance plans who are about to lose them. Florida Blue will drop 300,000 policies that don't meet the ACA requirements, while 150,000 Oregon residents who are signed up under individual plans will also lose their current coverage. California's Blue Shield sent termination notices to 119,000 policy holders, an official told the Washington Examiner.

Many of those policy holders are now facing higher deductibles and higher monthly premiums if they purchases a new policy under Obamacare.

In Heath's case, if she chooses the cheapest policy known as the bronze plan from the newly-created health care exchanges, she will pay a $200 monthly premium, up from the $113 she pays under her soon-to-be-cancelled plan. And her deductible would increase from $2,700 per month to $3,500, according to estimates from her current insurance provider.

In the words of President Obama, Heath holds a policy issued by a "bad apple" insurer. Health and Human Services Secretary Kathleen Sebelius called plans like Heath's "medically underwritten," while Rep. Henry Waxman, D-Calif., said last week such plans are being eliminated because they have "flimsy" and "deficient" coverage "that disappears when people actually need it."

Waxman added, "Nobody should want that."

But Heath was happy with her policy and wanted very much to keep it.

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