ACA stuff

[JFG]

@NerdAlert

I barely worked in health, really only in stop loss, but hemophilia was one of those conditioned that was just insanely expensive, always lasered (which for those who aren’t familiar, a laser puts a higher spec deductible on that person because their claims are known to be high. This sounds cruel, but has no impact on the participant, only their employer - although I’ve often wondered if this has resulted in any employees being fired for the cost).

This is pertinent to twig’s comment about no pre-existing condition exclusion if there’d been continuous insurance coverage. What about when there are gaps in employment for whatever reason? Sure there’s the COBRA option, but that’s not cheap, especially burdensome with lack of an income, and there’s a time limit. I worked with someone who struggled to keep up with working while undergoing cancer treatment even with utilizing intermittent FMLA. Obviously they couldn’t not work because they needed insurance.