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I’m familiar with the rationale for private insurers’ open enrollment periods, but in practice requiring people to endure prolonged waiting periods without access to healthcare except at ruinous cost is so reckless with human life.
I suspect these dark periods happen much more to the unwitting—to someone whose employer makes an unnoticed change or whose auto-payments are interrupted because of a cancelled credit card or something—than to the feared bad faith actors who wait to get sick to sign up.
But even in that worst case scenario, do we want to encourage people who are getting sick to abstain from care until the next open enrollment period? Even if they acted against the risk pool, is the answer to let them die or treat them when they’re sicker than they have to be?
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