Which is a fancy way of saying Buyer Beware.
The Merc had a lengthy article on health care last Sunday that I've been meaning to blog about. [Reg. Required, sorry.]
Basically the upshot was that many individuals and small business owners buy health insurance through associations to which they belong (some of these are available to actors too, for instance) and think they're getting the benefits of "group" coverage, but they're only really getting access via the association, not benefits like one expects from true group coverage, usually accessed through an employer.
These affordable plans are often only for basics and not for catastrophic occurrences...which is often the opposite of what people think they need health coverage for.
What got me about the article was the insurance agents who claimed that they didn't realize that they were telling customers untruths and setting them up for major problems later. I'm not saying there can't be unscrupulous agents, but these are agents claiming they were trained improperly and didn't know they weren't explaining the plans right.
Now, I know some agents read this blog: do you buy this?
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