Healthcare Plans Are Not Returnable

September 18, 2014

Healthcare is unique among many of the products we commonly purchase in that it is non-returnable.  Healthcare is only available for purchase once a year during "Open Enrollment", unless one has a qualifying life event. Once you enroll in a healthcare plan, while you can drop your coverage anytime over the course of the year, you cannot enroll in another plan until next open season.

Why is this significant? Well, if you have to purchase healthcare on the ObamaCare exchanges, you are unable to find out due to a secrecy clause in the law whether that particular plan covers elective abortion until after you already enroll and pay. Essentially you have to purchase a plan in order to find out what is in it. A newly released Government Accountability Office (GAO), a non-partisan government watchdog, confirmed in a groundbreaking report this week that there is a lack of transparency regarding abortion coverage in ObamaCare, with 11 out of 18 issuers not informing individuals about elective abortion coverage until after they already enroll in a particular plan.

Let's say someone finds a plan on their respective state exchange and they enroll and they find out after that the plan includes elective abortion coverage. That individual can either a) drop coverage entirely and unless they have a qualifying life event and go without coverage for the remainder of the plan year, and more than likely be subject to the individual mandate penalty or b) violate their conscience and pay for elective abortion coverage through the abortion surcharge, which is a slush fund used to finance other people's abortions.

Either way, these are both non-options.

Purchasing a healthcare plan before you are able to find out what is in it is completely unacceptable. Additionally, the long-standing Hyde Amendment to the Labor Health and Human Services Appropriations Bill (LHHS) strictly prohibits federal funding for abortion yet. GAO confirmed in their report, however, that Obamacare subsidizes elective abortion coverage on the exchanges with taxpayer dollars. ObamaCare therefore bypasses the principles of the Hyde Amendment.

We were told that ObamaCare would not subsidize elective abortion with taxpayer funds. I guess we can add this to the long laundry list of ways the Administration has broken their promise when it comes to ObamaCare next to individuals losing their plans, premiums increasing, limited choices and budget busting price tags.