With the original rules, those who applied for individual coverage could be denied. As a backstop, they could apply for the Major Risk Medical Insurance Plan which, though affordable, only covered up to $75,000 of claims in a given year, and had a waiting list, as there was a maximum allowed for enrollment due to funding limits (set by receipts from the tobacco fund). Now the state of California has decided that MR MIP is no longer needed, with the advent of guarantees under the Affordable Care Act. So the only question now is…has the tobacco money gone up in smoke or do they have some other health needs it may fund in this state?
Major Risk goes way of minor tragedies – California quietly ends protection for uninsured | Petaluma Employee Benefits
June 25, 2014