LogFAQs > #930710054

Balrog0 posted...

I made the claim that this had been fixed under the Obama administration and became a problem under Trump. The Obama adminstration addressed a perceived problem by instituting a cap. The trump adminstration removed it, and the obvious problem occurred. What did I say that was false?

How has it been fixed? People could still buy STI under the Obama administration, and recommendations for new rule implementation (to begin in 2017) didn't prevent people from continuing to renew their policy on the basis that they should know the limitations from staying on them.
What it did do was add a disclaimer and made it so that people who did purchase STI would have to find a new policy (or renew) every ~3 months. This was the argument that opponents of STI made and was determined by the Obama administration of not being significant enough to ban altogether.

Balrog0 posted...

I never made the claim that STI didn't exist under Obama. I said that this specific situation that occurred, denying someone due to preexisting conditions, had been fixed. While STI existed, regulations prevented this situation. Those regulations were reversed.

From your own link:
Unlike Obamacare plans, the short-term policies dont have to cover a standard set of essential benefits, and can be substantially cheaper. They also dont have to pay out a minimum of 80% of the premiums they collect on medical care, an ACA rule that applies to other health insurance. Companies offering the plans can refuse to insure people with pre-existing medical conditions.

Those practices were typical of the individual insurance market in many states before the ACA came along. Obamacare was intended to end them but permitted short-term plans to remain on the market.