Obama Creates Monday Madness by Outlawing Low-Cost STM
The last thing President Obama did was his unconstitutional ban on low-cost Short Term Medical (STM) insurance. STM insurance will last for a year in most States and will take the consumer until the next Open Enrollment for Individual Medical (IM) insurance which is January 1st each year in the USA. The last day to enroll is Monday, 03/27/2017. It’s like a government special on low-cost insurance. After Monday the maximum period for STM is just 90 days. Millions of Americans on STM are going to be surprised when they discover the ban when they renew.
The wizards who designed Obamacare made a huge mistake be not eliminating STM in the original legislation. Now STM is the perfect tool for the consumer to get quality health insurance for extremely low prices because of the “Healthy Discounts” that it enjoys. Sick people with cancer can’t enroll on STM and have their medical expenses paid so the premiums are very affordable. With STM you get the insurance and then get cancer if you want your medical bills paid.
STM was a huge problem for Obamacare because if the public understood then the healthy people would get low-cost STM and only the sick people would enroll on Obamacare making the unsustainable Obamacare premiums rise even faster than they are now. President Obama had to stop STM because if he didn’t he knew STM would destroy Obamacare more rapidly than it’s slow death that is happening now. Simply, Short Term Medical (STM) is an Obamacare Killer!
How inexpensive is Short Term Medical (STM) insurance? The cheapest HSA Qualifying insurance for a 30-year-old couple and 2 children in Chapel Hill, North Carolina is from Blue Cross with a $5,500 per person deductible for $1,194 a month. That is a whopping $14,328 a year. STM insurance with a small $2,500 deductible then 100% coverage is only $318 a month. See how STM is an Obamacare Killer?
Let’s compare the coverage between Obamacare and low-cost STM. The Blue Cross Obamacare plan has a little local network of medical providers around Chapel Hill, North Carolina. If your child gets cancer and you want to go to the best survival odds available in another state the fine print with Blue Cross says that you will owe $26,200 if you use out-of-network providers. In contrast, the STM at DonaldTrumpHSA.com utilizes the large, national Aetna Open Choice PPO network with 800,000 physicians and 6,900 hospitals coast to coast.
When President Trump calls the media FAKE NEWS he is correct. The media is riding shotgun for Obamacare and is not reporting on the end of Short Term Medical sales with longer coverage periods. The last story I can find is in the Tampa Bay Times dated 2/13/17 and that is from me with a letter to the editor. It is difficult to report on the unconstitutional ban on low-cost Short Term Medical because the media’s goal is to not let the public know about this affordable option to Obamacare.
If Rand Paul really wanted to have a low-cost option for his people in Kentucky all he had to do was promote Short Term Medical which is an Obamacare Killer. Instead, Rand Paul in his wisdom decided to lead the opposition to President Trump’s Obamacare replacement. The good news is that Dr. Tom Price with the stroke of his pen can let Americans have the low-cost option of Short Term Medical insurance again. Everybody email the White House and tell President Trump to lift Obama’s ban on low-cost Short Term Medical insurance so it can continue it’s good work of killing Obamacare.