Because what you have isn't a health insurance plan.  

<b>Fixed benefit indemnity plans.</b> These plans will reimburse you a set sum, generally low, for medical services, after which you’re on your own, most likely with a load of medical debt if you experience a major health problem. The $450-a-month plan Tenenbaum was sold was a typical one: it pays $100 apiece for up to five doctor visits a year, $50 a year for screening tests, and $1,000 a day for up to 30 days in the hospital. A typical hospital stay runs about $1,850 a day, and these plans cover little if any of the associated costs, such as tests, medications, and surgery. Unlike mini-meds, which though stingy function like real insurance policies and charge very low premiums, indemnity plans can cost as much as major medical insurance.

http://www.consumerreports.org/cro/magaz.../index.htm


Let me be clear here.  I'm not defending Obamacare here.  I just want to make sure that you are able to actually be covered, and not just think you're covered.  Apparently there's been problems with this with many people.  


“Don’t buy fixed benefit plans,” says Karen Pollitz, a senior fellow at the Kaiser Family Foundation and an expert on individual insurance. “You’ll still be uninsured but out a bunch of money.”

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