This Open Enrollment Season, Look Out for Health Insurance That Seems Too Good to Be True ...Middle East

It took nearly a year for Kelly Macauley to realize the health plan she bought while shopping for insurance coverage last October was not, in fact, insurance. Sure, red flags popped up along the way, but when she called to complain, she said, she was met with explanations that sounded reasonable enough and kept her paying her $700 monthly premiums. She said she was told that her medical bills weren’t being paid because the hospital was submitting them incorrectly. That Jericho Share, the nonprofit that sent her a membership card reading “THIS IS NOT INSURANCE,” was just her policy’s underwriter, not the actual insurer. That she hadn’t received a policy welcome packet because th

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