I do think the UAW employees are being scammed into paying $1,400 a month for dangerous employer-based family health insurance when the security of HSA insurance is available for $198 a month in the free and open markets with a 24 month rate guarantee.

The UAW employees will buy anything. They must be knee deep in ShamWows.

Bart once you save more in premium than the size of your deductible it’s impossible to lose. Trust me, her group of one has co-pays and out-of-pockets as well.

It’s simple math, individual insurance is a wiser move than the group of one. I’m sure her group of one doesn’t keep her rates constant for 24 months like the individual insurance does either.

Not without good reason. There doesn’t appear to be one here.

NC Plan A, which might be more comparable to her comprehensive group policy, was $786. $1,037 if she smokes. Hopefully she won’t get cancer and fire herself.

The article said, “Sara Brown, a 51-year-old massage therapist in business for herself, didn’t think she could qualify for group health insurance when she moved to North Carolina from California last year. But after an insurance company quoted her an individual policy that cost $1,200 a month and excluded coverage of her anxiety disorder, for which she takes daily medication, she sought help from Maura Carley, president and chief executive of Healthcare Navigation LLC, a Fairfield, Conn., firm that provides health-insurance advocacy for individuals, families and businesses.

Ms. Carley showed Ms. Brown that she was able to qualify for group coverage as a “sole proprietor.” Now she pays $800 a month for comprehensive coverage. “Group coverage is the only way to get coverage you can possibly afford” with a pre-existing condition, Ms. Brown says.”

An anxiety disorder did not make her uninsurable as the article states. With her anxiety [rate up] HSA individual insurance is available in Charlotte, N.C. for $354.75 per month instead of the $800 she is paying. Yes, the anxiety medication would be a covered expense.

The N. Carolina high risk pool would cost her $426 for HSA qualifying coverage.

It’s all online, check it out.

http://www.nchirp.org/

“Group coverage is the only way to get coverage you can possibly afford” with a pre-existing condition, Ms. Brown says.”

Ms. Brown is wrong even after her “expert” advise.

Unless you disagree Bart.

“When someone gets cancer, like Tony Snow, and they are too sick to work they they are terminated off their dangerous employer-based insurance and they are uninsurable for low cost portable individual health insurance.

…and then they have a valid reason to shop as a group of one or two. I’ll pass on the ad-hominem.

When someone gets cancer, like Tony Snow, and they are too sick to work they they are terminated off their dangerous employer-based insurance and they are uninsurable for low cost portable individual health insurance. As it should be. This is exactly the reason a couple should not be a group of two.

Bart, is there anything you can understand?

I never said that everybody on dangerous employer-based insurance is insurable. Rush Limbaugh with his drug problems would probably have some issues when it comes to insurability. That’s an understatement.

“Why do you insist that everybody on dangerous employer-based health insurance is uninsurable?”

Ron, to answer your question, I never have. If they can find better coverage in the individual market, they should certainly run with it.

Why do you insist that everybody with employer-based coverage is insurable in the individual market? And if they are insurable, why would they consider a group of two in the first place?