General Discussion
In reply to the discussion: This message was self-deleted by its author [View all]Ms. Toad
(38,643 posts)And there was coverage available under the ACA pre-existing condition plans to fill the gap between the passage of the ACA and 1/1/2013 (likely far cheaper than COBRA), but unfortunately the funding set aside for these plans ran out and they shut off new enrollment a while ago.
In the mean time, if you do not need coverage for pre-existing conditions try short term insurance (here is one marketplace for them: http://www.ehealthinsurance.com/short-term-health-insurance ) It can tide you over between now and January. No physical required.
And - if you have not already spoken with the COBRA administrators to see if there is the possibility of reinstatement. I haven't looked at the law recently, so I don't know whethere there is any leeway or not.
And yes, I do deserve the ACA - which made it possible for my 26 year old daughter with expenses in the range of $60,000-$100,000/year who is unable to attend school full time to be a part time student without losing coverage, and which will give her access to health care once she turns 26 that she would not otherwise have.
Is it the option I wanted - no. I wanted single payer. None of your problems were caused by the ACA. COBRA is old law. The right to require a physical and deny coverage for pre-existing conditions is old law. Come January you will have access to a full service insurance plan which you seem to know you can't get now (under the pre-ACA rules which are in effect through 12/31/2013). That is a huge step forward. Not the be-all; end-all - but it will put access to health care in the hands of millions (like yourself) who are unfortunate enough to have had a medical condition more serious than a hang nail.