Actually - the guide to deciding which plan works in any market (those options are available nationwide).
Using our decision guide could save you thousands on health insurance - assuming you pick the right combination of tax-credits, subsidies, and exchanges.
If it's still unclear - send me a message, and I can help you navigate for your state.
I have not, but anecdotaly it's one of my own main concerns for being able to join a startup. If/when health coverage follows the person wherever they may work, it would make moving jobs a lot easier.
We don't assume all startups are in California, we just have the best dataset for CA (since that is where we operate). We look forward to showing analyses like this for other states as information becomes available.
The other potential effect is that startups continue to spend the same amount of money - but purchase lower benefit levels e.g., move to $5-10K maximums from $2-3K maximums.
The ACA also sets new maximums on maximum deductibles. My $3000 deductible Aetna plan won't be legal any more; no individual plan can have a deductible above $2500, or so I've read.
Currently in most states - small group plans are already "guaranteed issue" - which means that you will get covered, regardless of pre-existing conditions.
We have insured hundreds of customers with pre-existing conditions under California's current guaranteed issue rules . These are the same rules that are going into effect nationwide for individuals.
I can only assume his skepticism is based on the assumption that either companies will find a way around it, through some legal loophole, or the government is not telling people the whole truth about the coverage guarantee. I hope he meant the former.
It's "claimed" because the stories of recission are real, and to be expected from an industry that simply makes more profits by cutting costs (due to the inelastic demands of sick people needing health care). This story [1] is from 2009, before passage of ACA/Obamacare.
We did a case study here - if that helps: http://blog.hellosign.com/simplyinsured-leverages-esignature...