One hundred and thirty-two million Americans receive health insurance in whole or part through a private-sector employer. In 1987 the Supreme Court ruled in Pilot Life v. Dedeaux that if the health insurer screws up a claim for these insured, even if it results in death or catastrophic injury, they are out of luck and cannot recover damages.
By 2014, federal law will require all Americans to have health insurance or pay a fine. We will be required to spend up to 8% of our annual income on a private health insurance policy, but insurance companies have no limit on how much they can charge us.
Federal health reform ended some of the most outrageous practices of the health insurance industry. Insurers will no longer be able to cancel people’s coverage when they get sick and need it most, refuse to cover you because you’re not in perfect health, or sell you junk insurance that caps the amount they pay per illness, or per year. All welcome victories in battles Consumer Watchdog has fought against the insurance industry for years.
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Paid for by Paid for by Consumer Watchdog Campaign – Yes on 45, a coalition of consumer advocates, attorneys, policyholders, and nurses. Major Funding by Consumer Watchdog Campaign and the California Nurses Association.