This one should be a no-brainer: California lawmakers are considering a bill that would ban so-called junk health insurance policies — short-term plans that do not comply with the consumer protections set out in Obamacare. These cheap plans typically offer no protection against the risk of bankrupting medical bills; instead, they cover just a limited number of doctor visits and days in the hospital, with glaring gaps in coverage, huge out-of-pocket costs and comparatively low caps on total benefits.
Yet this is precisely the sort of policy that the Trump administration and some congressional Republicans have been promoting as a way to lower health insurance premiums. That’s all the more reason for the Legislature to approve the bill imposing a ban, SB 910 by Sen. Ed Hernandez (D-Azusa). (read more)