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Marketplace confusion opens door to questions about skinny plans

Experts and regulators are raising red flags about one set of limited benefit plans marketed to individuals as ACA coverage for as little as $93 a month. Such plans could leave buyers incorrectly thinking they are exempt from paying a penalty for not having coverage.

By Julie Appleby, Kaiser Health News | Updated on November 27, 2017
Legal and policy experts have raised concerns that the new plans could leave buyers incorrectly thinking they are exempt from paying a penalty for not having coverage. (Photo: Shutterstock)

Consumers coping with the high cost of health insurance are the target market for new plans claiming to be lower-cost alternatives to the Affordable Care Act that fulfill the law’s requirement for health coverage.

But experts and regulators warn consumers to be cautious — and are raising red flags about one set of limited benefit plans marketed to individuals for as little as $93 a month. Offered through brokers and online ads, the plans promise to be an “ACA compliant, affordable, integrated solution that help … individuals avoid the penalties under [the health law].”

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