I learned how to read insurance policies and their exceptions many years ago, when I worked in the newspaper accident claims division of a now defunct insurance company. These were very cheap policies, that only paid for a very limited range of accidental injury, that were sold through newspapers, with weekly or monthly premiums of a couple of bucks. As a result, the exceptions were almost endless and were enforced VERY strictly. My job was to examine claims the regular claims department judged as "iffy" and to write nice letters to the people whose claims didn't fit the narrow range of approvals.
I'm telling you all that to show that I really, really, really know how to read exceptions, exemptions and disclaimers. That doesn't mean I'm always 100% right, but pretty close.
So, they're talking about imposing federal work requirements. Most states already have these for the Medicaid Expansion enrollees. (People who earn between the highest amount to qualify for regular Medicaid and the lowest income to qualify for ACA.) We are in Illinois, where the rules are strict and you have to re-qualify every six months or lose your insurance. I had to go deep into this two weeks ago, when my daughter was erroneously told (by a trainee) that being in school full time didn't qualify. She's in her last year of a 3 year Masters of Divinity program, with a lot of student loans, so she freaked.
I looked up the rules, which seem to be virtually identical to federal work requirements for aid programs. Full time school counts. So does 20 hours of work anywhere, paid or unpaid as long as it's verified by a legitimate employer. So does simply being over 55. Cronic or debilitating Illness is also accepted as a reason to qualify for Medicaid, with medical proof, without requiring you to qualify for Social Security Disability. (That last one may vary).
I hope this helps.
hedda
So if you're worrying about your insurance or a relative's,
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