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Availability of popular low cost health plans

A new class of interim health reform plans aids transition from uninsured

 

Smart Short term medical insurance from Markel Insurance Company is by the most readily available post-reform low cost health insurance (available in 44 states), followed by Smart Comprehensive Accident Medical insurance from Markel Insurance (39 states) and Core Health Insurance from United States Fire Insurance Company (38 states). Collectively, these three account for a significant portion of the initial entry health insurance plans selected by individuals who were previously uninsured.

Unfortunately, residents of twelve states continue to suffer from the effects of over-regulated insurance market so that these products are not available unless legally purchased while living in another state. Not surprisingly, these states tend to have the highest percentage of residents without insurance.

We hope that consumer activists and residents of Alaska, Connecticut, Kansas, Maine, Maryland, Montana, New Jersey, New York, Oregon, Rhode Island, Vermont, and Washington will demand that their legislators remove the legal barriers to fairly priced limited benefit health insurance or at least allow residents to cross state lines to purchase the reputable insurance plans available by a majority of the people throughout the rest of the country. We believe that affordable guaranteed issue limited benefit insurance plans play an essential role in health care reform transition. Obama administration officials and HHS agree, but lack authority to change state law outside of the scope of the 2010 reform law. While other federal initiatives are under consideration, it appears that it will be left u to the individual states to make interim health reform plans available before 2014.

 

STATE Core Health Smart Short Term Medical Smart Accident
AL Yes
Yes
Yes
AK
AZ Yes
Yes
Yes
AR Yes
Yes
Yes
CA Yes
Yes
CO Yes
Yes
Yes
CT Yes
DE Yes
Yes
Yes
DC Yes
Yes
Yes
FL Yes
Yes
Yes
GA Yes
Yes
Yes
HI Yes
Yes
Yes
ID Yes
Yes
Yes
IL Yes
Yes
Yes
IN Yes
Yes
IA Yes
Yes
Yes
KS Yes
Yes
KY Yes
Yes
Yes
LA Yes
Yes
Yes
ME Yes
MD
MA Yes
Yes
MI Yes
Yes
Yes
MN Yes
Yes
MS Yes
Yes
Yes
MO Yes
Yes
Yes
MT Yes
NE Yes
Yes
Yes
NV Yes
Yes
Yes
NH Yes
Yes
NJ Yes
NM Yes
Yes
Yes
NY Yes
NC Yes
Yes
Yes
ND Yes
Yes
OH Yes
Yes
Yes
OK Yes
Yes
Yes
OR Yes
Yes
PA Yes
Yes
Yes
RI Yes
Yes
SC Yes
Yes
Yes
SD Yes
Yes
Yes
TN Yes
Yes
Yes
TX Yes
Yes
Yes
UT Yes
Yes
VT
VA Yes
Yes
Yes
WA Yes
WV Yes
Yes
Yes
WI Yes
Yes
Yes
WY Yes
Yes
Yes
Current Total 38 44 39
 


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed. Any tax advice in this communication including attachments and linked resources cannot be used by the taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.