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Executives acknowledge the Web's potential for simplifying the byzantine process of finding insurance quotes and applying for coverage, but they also note the downsides.
A young women says she was denied coverage because of a trivial yeast infection years earlier that she had not thought to mention when applying for coverage.
Before the law was passed, insurance companies evaluated the health of each person applying for coverage before offering a policy, and priced the plan to reflect the possible cost of care.
IF COVERAGE IS TERMINATED If you seek treatment for a health problem under an individual insurance plan, the insurer may look into your medical history for proof that you had the problem before applying for coverage, said Kevin Flynn, president of HealthCare Advocates.
This should also be checked for accuracy, especially in advance of applying for coverage, since 90% of the companies that sell homeowner's insurance and 85% of auto insurers use this information when considering new policyholders.
All insurers guard against policyholders who fail to disclose their medical history when applying for coverage, he said.
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In New York, an impressive 134,897 people have applied for coverage.
"Children do not need green cards; they can be undocumented and still apply for coverage.
As of 29 December, about 850,000 Americans had applied for coverage through state exchanges and 1.1.
Would he apply for coverage later, when the site might work better?
Do you plan to apply for coverage through the new marketplaces?
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