Such insurance would cover the costs that a patient would incur after a medical event that left no time to purchase the policies offered in the Obamacare insurance exchanges. Emergency insurance might also cover the cost of care until the “open enrollment” period for purchasing insurance at the end of each year (if political pressure does not lead to the repeal of that temporary barrier to insurance).
但私人保险公司可以通过创造新的“紧急险”解决这个问题，让马上投保变得不再必要，使个人能够利用等需要时再保险策略。这种保险将覆盖患者遭遇健康事件而来不及购买奥巴马医改保险的情况下产生的成本。紧急险还可以覆盖看护成本直到每年末购买保险的“开放注册”期（如果政治压力不会导致保险的临时性壁垒取消的话）。