Not Really a Secret Lair

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Hey, Americans and other people stuck in the American healthcare system. It's open enrollment on the state exchanges, and possibly through your employer, so I wanted to give you a little heads up about preventive care and shopping for a health insurance plan.

I've noticed from time to time various health insurance companies advertising themselves to consumers by boasting that their health plans focus on covering preventive care. Maybe they lay a spiel on you about how they believe in keeping you healthy rather than trying to fix problems after they happen. Maybe they point out in big letters "PREVENTIVE CARE 100% FREE" or "NO CO-PAYS FOR PREVENTIVE CARE".

When you come across a health insurance product advertised this way, promoted for its coverage of preventive health, I propose you should think of that as a bad thing.

Why? Do I think preventive medicine is a bad thing? Yes, actually, but that's a topic for another post. For purposes of this post, no, preventive medicine is great.

It's just that it's illegal for them not to cover preventive care 100% with no copays or other cost-sharing.

Yeah, thanks to the Obamacare law, the ACA, it's literally illegal for a health plan to be sold on the exchanges if it doesn't cover preventive care 100% with no cost-sharing, and while there are rare exceptions, it's also basically illegal for an employer to offer a health plan that doesn't cover preventive care.

They can't not, and neither can any of their competitors.

( So any health plan that's bragging on covering preventive care?.... Read more [2,270 words] )

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