<p>You can buy medical payments coverage with your car insurance if you don’t have health insurance. Don’t need to be underwritten for the insurance.</p>
<p>dstark, I haven’t seen your signature. It was just a hunch lol.</p>
<p>What if it’s a bike accident? Then what? You can’t sue the dirt or the tree.</p>
<p>I saw a story today (a bit political so won’t post link from WSJ) that says if your insurance was cancelled at the end of last year, you get an exemption for life from the mandate (of paying a tax for not having insurance?). It is a bit baffling…</p>
<p>So, you sue the driver if you are hit by a car. If you fall off your bike generally you get up and get back on. H did ride into the back of a truck once and knock out his teeth but that was dental thing. No hospital. I think he made payments to the dentist. </p>
<p>ACA solves some problems and causes others. Everyone agrees. Remember? This is a reach.</p>
<p>Texas, is this what you’re referring to?</p>
<p>"But amid the post-rollout political backlash, last week the agency created a new category: Now all you need to do is fill out a form attesting that your plan was cancelled and that you “believe that the plan options available in the [ObamaCare] Marketplace in your area are more expensive than your cancelled health insurance policy” or “you consider other available policies unaffordable.”</p>
<p>This lax standard—no formula or hard test beyond a person’s belief—at least ostensibly requires proof such as an insurer termination notice. But people can also qualify for hardships for the unspecified nonreason that “you experienced another hardship in obtaining health insurance,” which only requires “documentation if possible.” And yet another waiver is available to those who say they are merely unable to afford coverage, regardless of their prior insurance. In a word, these shifting legal benchmarks offer an exemption to everyone who conceivably wants one."</p>
<p>Texaspg, please post that wsj story. Here…I will do it. Is this the opinion piece?</p>
<p><a href=“ObamaCare's Secret Mandate Exemption - WSJ”>ObamaCare's Secret Mandate Exemption - WSJ;
<p>We dont need two of the same posts. Deleted.</p>
<p>I did not want to post it as another anti ACA story because it is an opinion. Nevertheless I find the possibility of a permanent exemption baffling.</p>
<p>Where does it say that?</p>
<p>Did you read the links from the article? The links with the rules…</p>
<p>Is this what you are referring to?</p>
<p><a href=“http://www.cms.gov/CCIIO/Resources/Regulations-and-Guidance/Downloads/cancellation-consumer-options-12-19-2013.pdf”>http://www.cms.gov/CCIIO/Resources/Regulations-and-Guidance/Downloads/cancellation-consumer-options-12-19-2013.pdf</a></p>
<p>I’ve been lucky so far, knock wood, but quite a few of my friends and club mates have been hospitalized for bike crashes. I was on a ride with my son a few years ago that ended with him in an ambulance, and he was riding UP a hill when he crashed.</p>
<p>Hit a patch of gravel on a turn on a 35 mph downhill, and you’re probably at least going to be in a doctor’s office, if not a hospital.</p>
<p>What am I missing? I don’t see anything about a lifetime exemption. The only timeframe I see is January to October 2014.</p>
<p>LasMa…
“dstark, I haven’t seen your signature. It was just a hunch lol.”
:)</p>
<p>A good friend of mine was riding his bike down Mt Tam. Flipped. Unconscious. Ended up in a hospital.
A husband of a friend of my wife’s was riding his bike on Lucas Valley Road when he was hit by a car. He was pretty badly hurt. Needed surgery for a shoulder. </p>
<p>CF, I never got into biking. I dont feel comforable with the cars or the bike seats or the bike shorts. :)</p>
<p>How do you deal with the cars?</p>
<p>It’s the hardship exemption- and
[editing because it doesn’t matter who said what- CF was talking about avoiding penalty]</p>
<p>It says 2 more years. I was paraphrasing this sentence but I assume it does not mean a permanent one. “cancelled to opt out of the mandate altogether.”</p>
<p>That opinion piece is the most popular article on the wsj website.
I was having dinner with a conservative who hates Obama. Hates Obamacare. He works in the financial industry. Manages a lot of money. He is a genius in some areas. He said the wsj is a rag. You cant believe anything in there
anymore. Doesnt like the NY Times either. </p>
<p>That opinion piece is …</p>
<p>An opinion piece that becomes the most popular article. How does an opinion piece become an article? I thought an article was an article. :)</p>
<p>How do I deal with the cars? The most important thing is to be predictable and lawful. Cowering along the edge of the road is dangerous. Riding in a straight line, and taking the lane when the road is too narrow for safe passing, keep the cyclist safe.</p>
<p>But friends of mine who are better riders than I am have had accidents. I do ride a lot, and I have tons of experience, but I’ve been lucky. After being hit by cars four times in the very early eighties, and walking away without a scratch all four times, when I was young and inexperienced, I haven’t had any accidents other than a few times when I fell over at low speed.</p>
<p>It’s another reason I think wsj is losing their minds.
Bloomberg puts it this way: The latest exemption from the law’s individual mandate would last a year and potentially longer for consumers granted hardship exceptions, according to the guidance issued by CMS’s Center for Consumer Information and Insurance Oversight.</p>
<p>The new wsj article may refer to the extensions we talked about last week. This ^ Bloomberg commentary is from December. We’ve chased down so many nutty links, I read the one Tpg refers to, followed it to CMS, then the actual hardship attest form- then dropped the tabs.</p>
<p>“It’s another reason I think wsj is losing their minds”</p>
<p>I started reading the wsj over 40 years ago. It is so bad now. </p>
<p>I like Bloomberg so much better. </p>
<p>CF, I fell a few times going very slowly. I could not get my bike shoe out of the pedal. I am lucky I did not get run over. :)</p>
<p>I liked B radio til afternoons got taken over by one particular side. I got so mad at the formerly venerable NYT and wsj for the misinfo about admissions. Well, not mad, just astounded. Journalism is in trouble. As a vehicle. Not just because the web replaced the old process, but because readers now accept and pass along so much misinfo they get from the fast and slick new media. No surprise to us on this thread. We have to try to get to primary sources. Yeah, it was something I emphasized to my girls. Created monsters. But informed.</p>