There are plenty of people who are well-versed in partisan talking points around Obamacare (ACA), plenty of folks to push hot buttons. Heck, you don’t even need to be partisan to be upset with the roll outs (federal and California) – pathetic is too nice a term. And there are real big questions like whether young, healthy people will sign up. Is it in their interest? It seems with pre-existing conditions and lifetime maximums eliminated, the logic of “rolling the dice” is better than ever, especially for healthy, no assets individuals. Am I missing something?
But what I really want to know are simple, useful facts to be an informed consumer. Like, um, what are the rules regarding switching plans under the ACA? Can I switch at will from ACA-compliant plan “X” to ACA-compliant plan “Y”? What if I become ill or have a bad accident while covered by Plan “X” and then switch to Plan “Y”? You see where I’m going – what about signing up for a bare bones plan and switching to a low deductible, low copay plan if I develop an expensive medical condition. Can I?
These questions are essential for me to make an informed decision. I’ve searched with no luck. Does anyone know?
I think that one goal of the ACA is to provide transparency (e.g. standardized plans offered on exchanges), but I wonder whether they want to bury certain details that expose how the new system can be (quasi) gamed?