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Outlawed by ACA, “Mini-Med” Policies May Make Comeback

The Affordable Care Act (ACA) did away with the so-called “mini-med” health plans that cap annual benefits at, say, $2,000, which can leave employees on the hook for many thousands of dollars in medical expenses...
August 29, 2013

The Affordable Care Act (ACA) did away with the so-called “mini-med” health plans that cap annual benefits at, say, $2,000, which can leave employees on the hook for many thousands of dollars in medical expenses. But now a new kind of bare-bones policy may take their place, and critics say these plans would similarly leave many individuals who become seriously ill with egregious medical debts. Consumer advocates, employers and insurers say that unless regulators move to block them at the last minute, plans with limited benefits may continue to be offered by some large companies, especially those with low-paid employees such as restaurant chains and retailers. Consumer Reports calls it “junk health insurance.” A California regulator described them as “skeleton policies.” According to an expert from the American Cancer Society, they “are a perfect example of why healthcare reform is so crucial.”

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