Fewer than 200 people have signed up for Michigan’s federally subsidized health coverage pool. The pool was created for people with pre-existing medical conditions but no insurance.
The managers of the program say there are thousands of openings. But some prospective buyers appear to be put off by the cost.
Even at a reduced rate, the premiums can run as high as $650 a month for people in their 50s and their 60s. Younger people get a lower rate – as little as $180 a month, but it can still be difficult for some people to come up with that much money.
Some hospitals are offering to split the cost of premiums with patients, or to direct people to foundations that can help with payments.
Kevin Downey, who is with the Michigan Health and Hospital Association, thinks there are dangers to avoiding insurance.
“Those without coverage are in situations where their conditions worsen and by the time they are actually seen at a hospital in the emergency room there are fewer options and the costs are higher.”
Eric Schneidewind is with AARP of Michigan. He says providing treatment for people with chronic conditions is a bargain for everyone.
“People who do not have insurance who show up at a hospital are costing the rest of us a thousand dollars a year to pay for this, so it’s in our interest to get these people coverage and have them pay what they can afford to pay rather than nothing and have no coverage.”
The pre-existing conditions pool won’t be necessary after 2013 under the new federal healthcare law. After that, everyone will be required to carry coverage through healthcare exchanges, and people can’t be turned down for a medical condition.