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I appreciate this forum and thread. I'm a consumer and was getting ready to purchase USHA's "alternative to obamacare". And I was thinking how cool that I get health insurance, AD&D, critical illness coverage, etc. all for the same amount I could pay for insurance alone. Reading through this entire thread got me to look more closely at the brochure I was emailed. It very clearly says that this does not meet the minimum essential standards of ACA. Which means my husband and I will pay a hefty penalty for not having an ACA approved plan. I asked the rep about this and was told that in Texas that's not true. That all we have to do is check a box that says we have insurance. That sounds like tax fraud to me.
I appreciate this forum and thread. Reading through this entire thread got me to look more closely at the brochure I was emailed. It very clearly says that this does not meet the minimum essential standards of ACA. Which means my husband and I will pay a hefty penalty for not having an ACA approved plan. I asked the rep about this and was told that in Texas that's not true. That all we have to do is check a box that says we have insurance. That sounds like tax fraud to me.
The scary thing is that I don't think the agent is trying to be deceptive at all. I think she's just ignorant. And it's a horrible thing that I almost signed up on the spot based on her ignorance. Thankfully we decided to hold off and think it over for one night. One of my better decisions for sure. I'm going to tell her that I think she is seriously misinformed if she thinks that her clients aren't going to have to pay penalties, or that it's ok to say they have insurance on their tax forms when they don't.
The scary thing is that I don't think the agent is trying to be deceptive at all. I think she's just ignorant. And it's a horrible thing that I almost signed up on the spot based on her ignorance. Thankfully we decided to hold off and think it over for one night. One of my better decisions for sure. I'm going to tell her that I think she is seriously misinformed if she thinks that her clients aren't going to have to pay penalties, or that it's ok to say they have insurance on their tax forms when they don't.
In the U.S. District Court for the District of Columbia, Central United Life Insurance Company and Senior Security Benefits Inc. sued in November 2014 to block HHS, the Centers for Medicare & Medicaid Services (CMS) and the agencies' top officials from interfering with insurers' efforts to sell "fixed indemnity plans."
HHS wants to require sellers of fixed indemnity plans to verify that the buyers of the products have PPACA-compliant major medical coverage, or "minimum essential coverage."