"Unlike plans sold on the exchanges, these options — some sold by major insurers, others by small companies or nonprofits — can deny claims with few or no legal rights for consumers to appeal. The plans are not required to cover 'essential health benefits,' such as preventive care, and can impose annual or lifetime caps on benefits."
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Cheaper, Alternative Health Plans Are Having a Moment, but Critics Urge Caution - KFF Health News
Congress' decision not to extend enhanced marketplace tax credits has boosted the appeal of alternative health coverage with lower monthly premiums. Consumer advocates dismiss the plans as "junk insurance,” while proponents say patients need alternatives to pricey marketplace options.
