The right to health is a fundamental human right. Every person that requires medical care should have access to the highest attainable healthcare standards. However, many people cannot access healthcare because of financial constraints. Medical expenses are often costly, causing many families to fall into poverty in a bid to treat a loved one. Healthcare coverage is a significant problem because many people cannot afford the premiums required. While people cannot afford the premiums charged by insurance providers, they realize that staying without healthcare coverage is a bad idea because an illness can wipe out a family's wealth at any time. Thus, people increasingly resort to short-term health insurance as a temporary solution before acquiring long-term health coverage like Medicare or an employer's health plan. A prominent example is non-Obamacare healthcare plans. Below are a few advantages of non-Obamacare healthcare plans as an alternative health coverage:
They Charge Lower Premiums
Some healthcare plans are expensive because they charge high premiums. Obamacare premiums have been rising for various reasons, including the pool size and medical expenses covered under the plans. On the other hand, non-Obamacare health care plans charge lower premiums, offering affordable alternatives to customers. This is because non-Obamacare health care plans are not ACA-regulated; patients are screened for pre-existing conditions. They also do not cover preventive and maternity care, allowing them to charge low premiums. Moreover, patient screening means that non-Obamacare healthcare plans provide coverage to a healthier customer pool with lower medical needs than ACA subscribers. As such, insurance companies charge lower premiums because of the reduced risks. Thus, people looking for an affordable solution to healthcare coverage should consider non-Obamacare healthcare plans.
Access to an Established Provider Network
Non-Obamacare healthcare plans provide a significant advantage by allowing patients to choose healthcare providers of their choice. Patients can select a specialist of their choosing to address their medical problem. On the other hand, Obamacare provides a limited list to select their preferred facilities or specialists. Patients are limited to choose a healthcare service provider from selected provider networks rather than a preferred specialist. Thus, patients may opt for non-Obamacare health care plans to access the wide pool of health specialists.
Favorable Coverage Length
Patients may select non-Obamacare healthcare plans as their preferred long-term medical covers. Many states allow individuals with non-ACA health care plans to use the plan for 364 days. Thus, non-Obamacare healthcare plans provide are excellent healthcare coverage for a long time at lower and affordable costs.