God, the gap in continuous coverage surcharge part of this bill is fucking infuriating.
Oh, something happened where you were unable to afford coverage for a time? Good luck getting back to it, because it is more expensive now.
This is a punishment to poor people and this will be the biggest reason people die or go into medical debt slavery.
This clause is the same way that auto insurance works (I wrote insurance policies for a few years)
I've had to tell unemployed single mothers they're going to need to put down $1200 to start a policy that will cost them over $500 per month for the WORST most MINIMUM policy on $1000 car.
She could have bought her own car 5 times over, and the coverage she purchased only covered if she were to be at fault for causing up to $20k in damage. For comparisons sake, you should have coverage that covers at minimum $100k in damage.
If you had a lapse of insurance (go for a time without insurance) and ALSO had a claim under your name from when you did have insurance?! Lol, no company will insure you for any cost, and the 1 or 2 that will, will ask for even more to start the policy.
I explain all this to give you an idea of what people are going to go through now. There will be unemployed single mothers who are going to have to decide whether to pay rent and buy food for their kids or pay their entire months salary to start a health insurance policy.
This clause is solely for the insurance companies bank accounts. The logic is that the insurance company is taking a risk by insuring someone who has a bad financial record in regards to health insurance. It is their version of credit history.
Imagine if you had bad credit and now you have to DIE FOR IT??? Sorry, this shit just infuriates me a bit.
