My husband's employer is changing insurances and I've discovered that basically no independent mental health people accept the new one
Under the law you can't be denied coverage for preexisting conditions or discriminated against on any basis except age & smoking.
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You can apply for ACA conforming individual plans via the marketplace even if you are eligible for coverage by employer or spouse's employer
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The only catch is that you're not eligible for government premium subsidies in that case. That's why I'd ask employer to compensate.
End of conversation
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