Private health care has continued parallel to the NHS, paid for largely by private insurance, but it is used by less than 8% of the population, and generally as a top-up to NHS services. There are many treatments that the private sector does not provide. For example, health insurance on pregnancy is generally not covered or covered with restricting clauses. Typical exclusions for Bupa schemes (and many other insurers) include:
In 2018, it was easier for states to finalize premiums well in advance of open enrollment. In the summer/fall of 2017, it was more challenging, due to the uncertainty surrounding funding for cost-sharing reductions (CSR). President Trump had threatened throughout 2017 to eliminate federal funding for CSR, and ultimately did so on October 12, less than three weeks before the start of open enrollment.
Otherwise known as ‘Obamacare’ this is Major Medical health insurance like you would obtain from the Federal Marketplace or your state’s exchange. These, and only these, are subsidy-eligible plans. However, it is getting increasingly difficult to find nationwide PPO coverage options on the Marketplace exchange. But, if you can find one, and you have pre-existing health conditions and/or qualify for a subsidy then this may be the best option for you. There is NO MEDICAL UNDERWRITING with this option.
I do mention in my commentary at the end of the post (and comments beneath the post) that health sharing ministries are an option we’ll be exploring. It wasn’t detailed because that’s a current option and has been for many years. This post was written to highlight new options made possible by the recent Tax Reform. Kitces just published a great overview of the four biggest health sharing ministries. I like ESI Money’s post, as well.
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