“Usually you’ll know it’s a non-compliant plan if they make you do a medical questionnaire,” Clark says. “That would be an automatic tip-off, because a compliant plan takes all people regardless of pre-existing medical conditions. So if you’re asked to fill out any health history, then you’re going to know right away that it’s a non-compliant plan.”
If you cannot afford a compliant plan from Healthcare.gov, Clark recommends that you look instead at one of those religious-based co-ops as the alternative.
“A lot of people are choosing faith-based co-ops. They’re not health plans, per se, but they do provide a much more affordable premium and it is something that has appealed to a number of people who have called me,” he says.