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Are Short-Term Plans Better Than Obamacare? - The Atlantic

As a Texan, this is worth taking into account. Dania Palanker, a professor at the Center on Health-Insurance Reforms at Georgetown University’s Health-Policy Institute, examined a bunch of short-term plans and found that these types of restrictions were not unusual. One plan she saw would cover joint pain from an accident, but not arthritis. She also worries that people might not realize that these plans set limits on how much they will pay for various procedures, and the limits are often lower than the actual cost. “$1,250 on an intensive-care unit, and $2,500 on a surgeon and anesthesiologist per surgery ... I know that’s not enough,” she told me. “People who enroll in that plan and get surgery are not going to have the coverage they need, and are going to have tens of thousands of dollars in bills.” Earlier this week, Bloomberg reported on the story of one woman who bought a short-term plan in 2014, then was diagnosed with breast cancer. The woman says the insurer didn’t pay for her treatment, and she was left with a $400,000 bill. There are probably some more robust short-term plans out there, but the point of these is that they’re stopgap, in-case-you-get-hit-by-a-bus plans. States could regulate these to make them look more like comprehensive Obamacare plans, but that would take some time—and it would make them just as expensive.

For the original version including any supplementary images or video, visit https://www.theatlantic.com/health/archive/2017/10/short-term-health-insurance/543192/

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