The ACA has "minimum value" requirements and defines what constitute "essential health benefits" that plans must include to satisfy the ACA's coverage requirements and be eligible for sale on healthcare.gov or state-level marketplaces: https://www.healthinsurance.org/obamacare/essential-health-b...
> The ACA has "minimum value" requirements and defines what constitute "essential health benefits" that plans must include to satisfy the ACA's coverage requirements and be eligible for sale on healthcare.gov or state-level marketplaces
Yes, I'm well aware of that, and those requirements are incredibly bare-bones. Nearly any insurance provided by employers far exceeds those requirements, whereas the same cannot be said for insurance provided on the marketplace.
This post is about people who are losing employer-provided insurance, and there's almost no universe in which the non-COBRA options available to most of those people aren't markedly worse than what they're losing, even if we ignore the increased cost of self-purchased insurance.
Yes, I'm well aware of that, and those requirements are incredibly bare-bones. Nearly any insurance provided by employers far exceeds those requirements, whereas the same cannot be said for insurance provided on the marketplace.
This post is about people who are losing employer-provided insurance, and there's almost no universe in which the non-COBRA options available to most of those people aren't markedly worse than what they're losing, even if we ignore the increased cost of self-purchased insurance.