Reply #23: You still have to be able to afford the premium

[dflprincess]

When my brother had cancer his COBRA was $397/month for single coverage. (In Minnesota he could have kept his 3 kids who were over 18 but under 25 on his policy but that would have cost $1200/month). He couldn't afford that amount - fortunately I was able to swing it for him. PCIP was not available at the time but, after following your link, the monthly cost would not have been any less and the allowable out of pocket of $5,950 (in-network) would actually have been higher than the insurance he had.

Nothing in this insurance scam - including the PCIP - guarantees anyone access to care. Only that they can (and in 2014 will have to) buy an over priced product from a for profit middle man whose profits increase when they find ways to deny us care.