Re: “State won’t allow extensions on canceled insurance plans” (TNT, 11-15).
A question for Insurance Commissioner Mike Kreidler: If the individual health insurance policies that are being canceled as of Jan. 1 are so “inadequate,” why has he allowed them to be sold in this state all these years under his watch?
A 60-year-old single man doesn’t need maternity coverage, a faithful LDS church member doesn’t want coverage for substance abuse, and pro-life folks don’t need coverage for abortions. All these things could be made available as optional coverage with an appropriate waiting period if not chosen with the initial coverage purchase.
Chances are, the insurance companies wouldn’t want to reinstate these policies anyway because of the hassle involved, but the commissioner should have left that decision to them.
One size does not fit all.