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There was a major change in this regard with the Affordable Care Act (now in place over 10 years). It eliminated the ability of insurers to deny health coverag

There was a major change in this regard with the Affordable Care Act (now in place over 10 years). It eliminated the ability of insurers to deny health coverage if you have a pre-existing condition and have not maintained continuous creditable coverage. So the risk of leaving a job and losing health insurance is now much lower, since you can always get insurance later, or get it as an unemployed individual with a large subsidy if you don't have much total income. Neither of these things was true before.

beckman466 5y ago
> So the risk of leaving a job and losing health insurance is now much lower, since you can always get insurance later, or get it as an unemployed individual with a large subsidy if you don't have much total income. tell me that these laws don't apply to you and that you've not had to struggle with them to get health insurance without telling me that these laws don't apply to you and that you've not had to struggle with them to get health insurance
- PopAlongKid 5y ago
  I'm not sure what you are trying to tell me. If it matters, I have direct personal experience with this. In 2020, I voluntarily ended employer group health coverage, at the time of my choosing, because I knew that I could get subsidized coverage through CoveredCA, the California web site that serves both federal ACA (Obamacare), plus California's own version of the ACA (very similar to federal). Through the exchange, without a struggle, I received insurance comparable to what I had before, no questions asked about my existing health condition, with a subsidy to help pay. The best I could have hoped for previously would have been up to six months only of COBRA coverage, at 102% of my employer's cost, no subsidy. And if I chose to go without any coverage at all for a few months, in the past I would have had to divulge any pre-existing "conditions" as part of the application process.

beckman466 5y ago

> So the risk of leaving a job and losing health insurance is now much lower, since you can always get insurance later, or get it as an unemployed individual with a large subsidy if you don't have much total income. tell me that these laws don't apply to you and that you've not had to struggle with them to get health insurance without telling me that these laws don't apply to you and that you've not had to struggle with them to get health insurance

PopAlongKid 5y ago
I'm not sure what you are trying to tell me. If it matters, I have direct personal experience with this. In 2020, I voluntarily ended employer group health coverage, at the time of my choosing, because I knew that I could get subsidized coverage through CoveredCA, the California web site that serves both federal ACA (Obamacare), plus California's own version of the ACA (very similar to federal). Through the exchange, without a struggle, I received insurance comparable to what I had before, no questions asked about my existing health condition, with a subsidy to help pay. The best I could have hoped for previously would have been up to six months only of COBRA coverage, at 102% of my employer's cost, no subsidy. And if I chose to go without any coverage at all for a few months, in the past I would have had to divulge any pre-existing "conditions" as part of the application process.