I don't think this is a loop hole. Can anyone point me to a reference?
Source: I just spent months trying to figure out how to buy truly catastrophic insurance and avoid the aca penalty with no luck.
Source: I just spent months trying to figure out how to buy truly catastrophic insurance and avoid the aca penalty with no luck.
From http://www.dpcare.org/specialties:
"H.R. 3590 recognizes DPC and allows DPC Medical Homes to offer coverage in health insurance exchanges in combination with a wraparound insurance policy provided by a qualified health plan (QHP). Working together, the two must satisfy all other essential health benefits requirements under H.R.3590. DPC practices provide all primary care in a monthly fee arrangement. The QHP is used for hospitalization, specialty care and other more costly services. The first DPC offering paired with a QHP in the healthcare marketplace went live in the Washington state exchange in January 2015. There are no DPC practices operating in the federally facilitated exchanges yet."
One of the biggest advantages of these healthcare shares is that they're ACA exempt. Meaning, no fine. But there are other requirements to be accepted. Especially with the religious healthcare ministry ones. But they are very affordable.
For example, I know people who use http://www.chministries.org with a local (AZ in this case) DHC such as https://www.arkfamilyhealth.com
Other issues I didn't like is that they're not eligible for an hsa? And what's the Guarantee you get the Aca exception?