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Why Did All New Individual Children's Health Insurance Policies Suddenly Become Extinct?

Since Obamacare, you cannot buy an individual children's major medical insurance (health) policy from any major health insurance company. They disappeared overnight and become extinct, shortly after passage of Obamacare. Just try to find one. I have and you won't. Sure, you can get a family plan, but not if a parent has pre-existing conditions. Previously available for many decades at reasonable prices, the individual major medical policy for children was a bargain. Just a year ago, a new policy for a child could be bought for about $60 a month. Now, it's unavailable at any price. Why did ObamaCare make individual health insurance policies for kids go away, overnight?

Public Comments

1. Nope you're wrong.
2. You are completely wrong. 1. There is no such thing as Obamacare. 2. The only part of the health care reform law that affects children now is that they cannot be refused for preexisting conditions. 3. Because of the health care reform law, the parent with preexisting conditions can get coverage through a government-sponsored exchange (until the regulations kick in in 2014). And hey! Here's some child-only plans! Must be a miracle! https://info.kp.org/childhealthplan/index.html http://www.empireblue.com/wps/portal/ehpmember?content_path=member/noapplication/f3/s2/t1/pw_ad067426.htm&label=Child%20Health%20Plus http://www.americaninsuranceplus.com/insurance/health/children.htm Glad to help.
3. you really think a child's individual policy was only $60 a month? What decade are you living in? more like $140 a month if you want a decent policy. and they go away because of supply and demand. most employers have come down in their price to help parents insure their children instead of making the individual's policy $90 a month and turning around and tacking on $300 a month if they want to insure their child. They didn't go away overnight. BTW you can still insure any individual you want.
4. That is one of the major problems with this bill. People have to do things the way the law states or they won't be doing it at all. More and more choices are being removed and the cost is going way up and the quality of the policies way down. Those who favor Obamacare only hear the good parts but the refuse to consider the consequences of this bill, and there are many. http://articles.latimes.com/2010/sep/21/business/la-fi-kids-health-insurance-20100921 Big health insurers to stop selling new child-only policies Anthem Blue Cross, Aetna Inc. and others say they will make the move as soon as Thursday when parts of the new healthcare law take effect. They cite potentially huge and unexpected costs for insuring children." They fear that parents will buy it only after their children become sick because they can no longer deny insurance to people with preexisting conditions. It will render them insolvent in short order if that happens on a large scale. It doesn't eliminate those who are already insured. They just won't sell new policies of this type. Remember the law also has removed the limit on liability.
5. The fault does not lay with the bill but with the power of profit in the health insurance industry. To prevent them from having to accept policies for children without the ability to deny them coverage, they simply stopped writing them. you are right though, policies were quite affordable before because they were cash cows. Children are generally the healthiest group and, if they did get one that was "expensive" they would just drop them. If the public option hadn't been taken out of the bill to appease the right then you'd find the insurers wouldn't be doing this kind of crap. FYI: If 95% of the money that is dished out by Americans for health insurance was used for health care services instead of the 60% is currently going towards it, then everyone in the country could have access to health care and there would be a surplus. (the other 40% is chewed up by salaries, overhead, bonuses, dividends and a continual effort to deny any claim possible)