KellyJef,
Well, I am only making a gross generalization.
When you hear these stories of people being "Dropped", like they get breast cancer and all of the sudden now they need chemotherapy and they don't have insurance, it's usually the individual plans.
You usually don't hear of it when it's a person working for an employer.
Why?
1. Regulations are tighter.
2. They risk losing the whole account because Marge in the the Marketing Dept. didn't get her chemo when she needed it so Susan in HR isn't going to renew the contract.
This is why this country so desperately needed a bipartisan healthcare reform effort but so many politiicans just dug their heels in and just wanted status quo.
I'll have to buy individual insurance too eventually but I am not happy about it but then again, I am highly educated to the appeals processes in my states and the mountain of regulations. Still, if a health insurance co. "drops" you, there isn't much to appeal for that. You need to retain an attorney or appeal to the insurance commissioner, who is also usually impotent on many of these matters anyway.
This country is extremely hard on the self-employed and ironically it wasn't the traditional Republicans who went to bat for them in Washington. These kind of stories usually hit Joe Plumber.
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