About 'family health policy'|Independent and Privately Buying Family Health Insurance

About 'family health policy'|Independent and Privately Buying Family Health Insurance

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Ｗｈｅｎ               ｉｓ               ｔｈｅ               ｏｔｈｅｒ               ｐｅｒｓｏｎ               ａ               ｐａｒｔｎｅｒ? Ｗｈｅｎ               ｙｏｕ               ｓａｙ               ｔｈｅｙ               ａｒｅ? Ｔｈｉｎｋ               ｏｆ               ｔｈｅ               ｐｏｔｅｎｔｉａｌ               ｆｏｒ               ｕｎｍｉｔｉｇａｔｅｄ               ｆｒａｕｄ. Ａｎｙｏｎｅ               ｗｈｏ               ｈａｄ               ａ               ｆｒｉｅｎｄ               ｃｏｕｌｄ               ｓａｙ               ｔｈｅｙ               ｗｅｒｅ               ｐａｒｔｎｅｒｓ               ｔｏ               ｇｅｔ               ｃｏｖｅｒｅｄ               ｏｎ               ａ               ｐｏｌｉｃｙ. Ｗｈａｔ               ｉｆ               ｔｈａｔ               "ｐａｒｔｎｅｒ"               ｎｅｅｄｅｄ               ａ               ｌｉｖｅｒ               ｏｒ               ｈｅａｒｔ               ｔｒａｎｓｐｌａｎｔ? Ｈｏｗ               ｍａｎｙ               ｐｅｏｐｌｅ               ｗｏｕｌｄ               ｂｅ               ａｂｌｅ               ｔｏ               ｂｅ               ｐａｉｄ               ａ               ｓｕｍ               ｏｆ               ｍｏｎｅｙ               ｔｏ               ｌｉｅ               ａｂｏｕｔ               ｔｈｅ               ｒｅｌａｔｉｏｎｓｈｉｐ               ｔｏ               ｇｅｔ               ｃｏｖｅｒａｇｅ               ｆｏｒ               ｓｏｍｅｏｎｅ               ｗｈｏ               ｉｓｎ'ｔ               ｉｎｓｕｒａｂｌｅ               ｕｎｄｅｒ               ｐｒｉｖａｔｅ               ｐｌａｎｓ? Ｔｈｉｓ               ｈａｓ               ｔｏ               ｂｅ               ａ               ｎｉｇｈｔｍａｒｅ               ｆｏｒ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ.                Ａｌｒｅａｄｙ               ｐｅｏｐｌｅ               ｆａｋｅ               ｍａｒｒｉａｇｅｓ               ｆｏｒ               ｔｈｉｓ               ｔｙｐｅ               ｏｆ               ｔｈｉｎｇ               ｏｒ               ｔｏ               ｇａｉｎ               ｃｉｔｉｚｅｎｓｈｉｐ               ｒｉｇｈｔｓ. Ｗｈｅｎ               ｓｏｍｅｏｎｅ               ｄｅｔｅｒｍｉｎｅｓ               ｔｈａｔ               ｔｈｅｙ               ｃａｎ               ｐａｙ               ａ               ｆｒｉｅｎｄ               $10,000               ｔｏ               ｇｅｔ               ｉｎｓｕｒａｎｃｅ               ｔｏ               ｃｏｖｅｒ               $100,000               ｗｏｒｔｈ               ｏｆ               ｔｒｅａｔｍｅｎｔ,               ｔｈｅ               ｌｉｎｅｓ               ｗｉｌｌ               ｓｔａｒｔ               ｆｏｒｍｉｎｇ. Ｅｖｅｎ               ｔｈｅ               ｍｏｎｔｈｌｙ               ｐｒｅｍｉｕｍｓ               ｗｉｌｌ               ｂｅ               ｓｅｅｎ               ａｓ               ｓｍａｌｌ               ｗｈｅｎ               ｃｏｍｐａｒｅｄ               ｔｏ               ｐｒｅｍｉｕｍｓ               2               ｔｏ               5               ｔｉｍｅｓ               ｈｉｇｈｅｒ               ｆｏｒ               ｌｅｓｓｅｒ               ｉｎｓｕｒａｎｃｅ               ｔｈａｔ               ｅｘｃｌｕｄｅｓ               ｐｒｅ-ｅｘｉｓｔｉｎｇ               ｃｏｎｄｉｔｉｏｎｓ.                Ｉ               ｈａｖｅ               ｓｙｍｐａｔｈｙ               ｆｏｒ               ｌｅｇｉｔｉｍａｔｅ               ｃｏｕｐｌｅｓ               ｗｈｏ               ａｒｅ               ｓｔｒｕｇｇｌｉｎｇ               ｔｏ               ｆｉｎｄ               ａ               ｓｏｌｕｔｉｏｎ               ｔｏ               ｔｈｉｓ               ｄｉｌｅｍｍａ. Ｗｉｔｈｏｕｔ               ｓｏｍｅ               ｓｏｒｔ               ｏｆ               ｃｏｎｔｒａｃｔｕａｌ               ａｇｒｅｅｍｅｎｔ               ｔｏ               ｐｒｏｔｅｃｔ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｃｏｍｐａｎｉｅｓ               ｆｒｏｍ               ｆｒａｕｄ,               ｉｔ               ｉｓ               ａ               ｐｒｏｂｌｅｍ               ｔｈａｔ               ｉｓｎ'ｔ               ｌｉｋｅｌｙ               ｔｏ               ｇｏ               ａｗａｙ               ｓｏｏｎ.                Ｆｒｏｍ               ｔｈｅ               ｃｏｕｐｌｅ'ｓ               ｐｅｒｓｐｅｃｔｉｖｅ,               ｗｈａｔｅｖｅｒ               ｒｅａｓｏｎｓ               ｔｈｅｙ               ｈａｖｅ               ｆｏｒ               ｎｏｔ               ｊｕｓｔ               ｇｅｔｔｉｎｇ               ｍａｒｒｉｅｄ               ｗｉｌｌ               ｐｒｏｂａｂｌｙ               ｇｅｔ               ｉｎ               ｔｈｅ               ｗａｙ               ｏｆ               ａ               ｃｏｎｔｒａｃｔ. Ｔｈｅ               ｅｘｃｅｐｔｉｏｎ               ｔｏ               ｔｈｉｓ               ｍｉｇｈｔ               ｂｅ               ｓａｍｅ               ｓｅｘ               ｃｏｕｐｌｅｓ               ｗｈｏ               ｃｈｏｏｓｅ               ｔｏ               ｅｓｔａｂｌｉｓｈ               ａ               ｌｉｆｅ               ｐａｒｔｎｅｒ               ｃｏｎｔｒａｃｔ               ｗｉｔｈ               ｅａｃｈ               ｏｔｈｅｒ. Ｗｉｔｈ               ａ               ｃｏｎｔｒａｃｔ               ｉｎ               ｈａｎｄ,               ｓｏｍｅ               ｌａｗ               ｓｈｏｕｌｄ               ｂｅ               ａｂｌｅ               ｔｏ               ｂｅ               ｃｒａｆｔｅｄ               ｔｏ               ａｌｌｏｗ               ｆｏｒ               ｔｈｅｓｅ               ｌｅｇａｌｌｙ               ｃｏｍｍｉｔｔｅｄ               ｐａｒｔｎｅｒｓ               ｔｏ               ｇｅｔ               ｉｎｓｕｒａｎｃｅ               ｃｏｖｅｒａｇｅ. Ｏｂｖｉｏｕｓｌｙ,               ｔｈｅ               ｃｕｒｒｅｎｔ               ｓｏｃｉｅｔａｌ               ｂｉａｓ               ａｇａｉｎｓｔ               ｓａｍｅ-ｓｅｘ               ｕｎｉｏｎｓ               ｗｉｌｌ               ｓｔａｎｄ               ｉｎ               ｔｈｅ               ｗａｙ               ｏｆ               ｐａｓｓｉｎｇ               ｌｅｇｉｓｌａｔｉｏｎ               ｔｏ               ｍａｋｅ               ｔｈｉｓ               ｈａｐｐｅｎ.                Ｂｅｃａｕｓｅ               ａｎｙ               ｌａｗ               ｔｈａｔ               ｓａｎｃｔｉｏｎｓ               ｕｎｍａｒｒｉｅｄ               ｃｏｎｔｒａｃｔｕａｌ               ｕｎｉｏｎｓ               ｗｏｕｌｄ               ｇｉｖｅ               ｅｑｕａｌ               ｒｉｇｈｔｓ               ｔｏ               ｈｅｔｅｒｏｓｅｘｕａｌ               ａｎｄ               ｈｏｍｏｓｅｘｕａｌ               ｃｏｕｐｌｅｓ,               ｂｏｔｈ               ｗｉｌｌ               ｂｅ               ｌｅｆｔ               ｔｏ               ｃｏｎｔｉｎｕｅ               ｔｈｅ               ｂａｔｔｌｅ. Ｔｈｅ               ｃｏｕｒｔｓ               ｒｅａｌｌｙ               ｈａｖｅ               ｎｏ               ｂａｓｉｓ               ｉｎ               ｌａｗ               ｔｏ               ｃｏｍｐｅｌ               ｔｈｅ               ｉｎｓｕｒｅｒｓ               ｔｏ               ｅｘｔｅｎｄ               ｔｈｅ               ｄｅｓｉｒｅｄ               ｃｏｖｅｒａｇｅ.                Ｉｔ               ｉｓ               ｐｏｓｓｉｂｌｅ               ｔｈａｔ               ｔｈｅ               ｃｏｍｐａｎｉｅｓ               ｔｈｅｍｓｅｌｖｅｓ               ｃｏｕｌｄ               ｕｎｉｌａｔｅｒａｌｌｙ               ｄｅｃｉｄｅ               ｔｏ               ｈｏｎｏｒ               ａ               ｌｅｇａｌｌｙ               ｂｉｎｄｉｎｇ               ｃｏｎｔｒａｃｔ               ｉｎ               ｔｈｅ               ｓａｍｅ               ｗａｙ               ａｓ               ａ               ｍａｒｒｉａｇｅ               ｌｉｃｅｎｓｅ. Ｉ               ｗｏｕｌｄ               ｎｏｔ               ｈｏｌｄ               ｍｙ               ｂｒｅａｔｈ               ｗａｉｔｉｎｇ               ｆｏｒ               ｔｈｉｓ               ｔｏ               ｈａｐｐｅｎ. Ｆｉｎａｎｃｉａｌｌｙ,               ｔｈｅ               ｒｉｓｋｓ               ｏｆ               ｄｏｉｎｇ               ｔｈｉｓ               ｆａｒ               ｏｕｔｗｅｉｇｈ               ａｎｙ               ｐｏｔｅｎｔｉａｌ               ｍｏｎｅｔａｒｙ               ｂｅｎｅｆｉｔｓ               ｔｏ               ｔｈｅ               ｉｎｓｕｒａｎｃｅ               ｇｉａｎｔｓ.

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1. A Blog about the Kaiser Family Foundation's Conference on Health Policy Blogging

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