Quote:Also, why is there no rule against what this insurance company is doing. That is, they know full well that people will pay extra just to avoid a fine, so they make you so you have to buy this additional package if you want to avoid it. In other words, they're using the government fine as leverage to pull off what truly is a scam here, and I can still expect to be fined by my government for not being willingly scammed.

 

Because there's a loophole.  Insurance companies started labeling their plans "Fixed Indemnity" to avoid the rules of Obamacare.  Of course what you're getting, as explained earlier in this topic, isn't health insurance at all.  You're not covered for anything.  You'll be lucky if you see much if any savings.  What you have isn't a health insurance plan at all.  


Honestly if you're doing it to just avoid the fine, I'd pay the fine.  Fixed Indemnity isn't worth what you're paying for it.  If you want health insurance, then Fixed Indemnity still is no good, and you should probably consider paying for a better service on the market.  

 

Also make sure you're not actually eligible for a subsidy.   Based on your location and your income, and the fact that your employer plan is not obamacare compliant, you should be eligible for one.  Your subsidy would be something like $235/month.  

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