As always, whether as a new customer or new customer, it is particularly important this year to look around and shop carefully. That’s because Trump’s sabotage released brokers to sell junk health plans that compete with fully ACA-compliant plans. Eliminating these plans could save consumers thousands of dollars when they get sick and need coverage. Because Trump plans just don’t do the job.
But shopping is important again this year, as there are some very good offers that are available just in time for the millions of people who have lost their jobs and their cover. The Kaiser Family Foundation estimates that at least 11 million people can get “virtually free” insurance, and nearly 5 million more can get insurance “at a significantly reduced cost” with the ACA. They estimate that 4.5 million currently uninsured people could get a free bronze plan after subsidies, the lowest level of coverage. That’s $ 0. However, you could also get a very affordable silver plan with better quality and low post-subsidy premium payments.
“Like all ACA-compliant health plans, bronze plans offer other valuable benefits,” explains KFF. “All plans must cover the full cost of a wide range of care services for their subscribers without applying for a deductible or co-payment. These benefits include many forms of check-ups and vaccinations, as well as contraception. In addition, some bronze plans voluntarily cover some basic care benefits before the deductible “But every year under Trump it has been the same problem – the administration doesn’t advertise or publicize, so a large part of the uninsured population doesn’t know they can get free health insurance. While enrollment numbers are strong so far, they could be even better when the word comes out.
Enter the Biden Administration. Registration with Obamacare may resume due to the pandemic and the new administration can do the work Trump declined to get people enrolled. Millions more enrolled people could also help if the Supreme Court decides whether to keep the law or to put it down. At this time, it doesn’t seem likely that the court will override the entire law, but millions more people relying on it wouldn’t hurt their decision.