Coventry Health Insurance of Georgia (GA) | Group Health Insurance Georgia | Health Reform - How it Affects Group Health Insurance Georgia

Group Health Insurance Georgia

Health Reform - How it Affects Group Health Insurance Georgia

The health reform acts have led to a lot of debate. Although everyone is in agreement that having more people have more access to group health insurance Georgia plans is a good thing, not everyone agrees with how the government is going about this. The main issue on the table is the requirement that every citizen buy individual health insurance, either a group health insurance Georgia or privately, or else pay a steep penalty on their taxes. Some people are questioning whether this is unconstitutional. Many people are upset on principle because this seems like federal government intervention. Other people are upset because if they do not have access to employer-sponsored group health insurance Georgia plans, they will have to purchase and pay for their own individual policy. Although an individual policy will have lower premiums than a group health insurance Georgia plan, if the individual is responsible for all of the premiums, as opposed to a fraction of the group health insurance Georgia plan premiums, it will cause some financial stress.

It has been reported in the news that thirty-three states are attempting to challenge the health reform act, from a legal and legislative viewpoint. Some states, albeit with Republican officials, are filing a lawsuit contending that Congress does not have the constitutional authority to mandate an individual's participation in a group health insurance Georgia plan, or an individual plan, or a group plan from any other state. Most legal scholars agree that the suit does not have a chance to win, but is bringing some attention to the issue, and could lead to the eventual downfall of the requirement.

The Obama administration emphasizes the consumer-friendly provisions, which includes extended coverage for dependents through age 26, among others. This is important because many young adults are not able to find full-time work and therefore cannot enroll in a group health insurance Georgia plan. If they are enrolled full-time in a university, they may be able to enroll in the school's group health insurance Georgia policy. But otherwise, many people in this age group do not have access to any group health insurance Georgia plan, and cannot yet afford to purchase their own individual policy.

Another reform issue that the Obama administration emphasizes are high-risk group health insurance Georgia pools for Americans who continuously get denied coverage from individual health insurance plans. Of course, if these individuals were full-time qualified employees in an organization, they would have to be accepted as enrolled members of the organization's group health insurance Georgia plan. Health insurance companies are prohibited from denying coverage to anyone who qualified for a group health insurance Georgia plan. But individuals can be denied when applying for individual policies. It is these individuals who would benefit from the formation of high-risk pools.

Of course, the proponents of the health reform acts emphasize its good points, while the opponents focus on the negatives. At this time, it is unclear how it will turn out. In the mean time, group health insurance Georgia plans continue to be available and affordable to those who qualify for enrollment in them.


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