November 1st is an important day on the calendar in contemporary American life. It’s nowhere near as festive occasion as Halloween, which comes the day before, nor is it a holiday for somber reflection as is Veteran’s Day, which follows only 10 days later. But is highly significant all the same as it marks the day on which the open enrollment period begins under the Affordable Healthcare Act, otherwise known as Obamacare. For those of us who represent and fight the good fight on behalf of personal injury victims, the open enrollment period provides an important opportunity to protect the interests of at least some of our clients.
Let’s face it. Many people are flummoxed when it comes to picking a policy on the healthcare exchanges. This is not at all surprising given the operational problems attendant on the rollout of Obamacare and the inherently confusing nature of most policy descriptions. This process can be even more of a challenge for people who formerly qualified for some form of government assistance and are unaccustomed to dealing with and analyzing the fine print on healthcare policies. All too often we have found situations where clients, left to their own devices, end up selecting policies with unreasonably high deductibles or other similar deficiencies, which effectively eviscerate the benefits of coverage.