We sought to Kaiser Health News to see what they have reported and here's what we found ...
Why this happens
individual policies are a major focus of the affordable care Act and from 1 January 2014 most insurers will be required to strengthen their policies to meet the new minimum standards and add essential benefits such as coverage prescription drugs and more. It will also be prohibited to reject people who are ill or charge more for coverage.
Because of these changes, some insurers stopped insurance plans may not meet all legal standards of the federal health. Some plans may also have deductibles or additional expenses that exceed a maximum pocket of the law. Policies that do not meet all the new standards of health law need not be canceled if. If a plan is "grandfathered" or purchased prior to the enactment of the law in March 2010 and no individual or the insurer has made significant changes, the plan could still be sold.
What you can do
Those whose policies were canceled can shop and sign up for a new plan instead. In some states, insured with abandoned plans can even be selected for an "early renewal", allowing them to continue their existing plan through next year, even if it does not meet all the federal guidelines . Given this option, be aware that your premium could increase.
Since insurers added benefits and can not pay higher premiums to individuals based on age, sex, or a pre-existing condition, many will experience an increase in premiums. Those who are older or in poor health may actually end up paying less, while very healthy or younger people might pay more.
If you have been told that your plan will soon be arrested, pay attention to the terms and shop around to compare with what is offered by the new policies. New options offered by the markets will most likely offer more benefits, but also compare deductibles, coinsurance and caps out-of-pocket annual.
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