Complaint Review: Multi Plan Health Ins

My daughter is a 25 year old college student and did not pay her premium for the Kaiser insurance I had gotten for her.  She had my credit card info to pay it but kept "forgetting".   Long story but she was cancelled.  I kept recieving calls from Multi Plan and decided to hear what they had to say.  It was about $72 cheaper per month than Kaiser and had no deductible.  While on the phone with them I read the other reports on this site about them.  Asked tons of questions and I believe I got straight answers.  Here's the catch - they are not Affordable Care Act (ACA) compliant, so my daughter may get a tax hit when she files this fall.  However the new health care laws are now very lax on this issue so we'll see.  Here's what you need to know about this plan that they don't tell you unless you ask:

- Only covers 5 doctor visits a year.  After that you pay the amount that the insurance would have covered but its still going to be a lot even if its not full price.

- Does not cover pregnancy or any substance abuse.

I purchased it anyway because she rarely goes to the doctor more than 5 times a year and it covers hospitilation for 30 days if she is in an accident or something.  Not worried about pregnancy or substance abuse.  It is month to month so I can cancel anytime.  For a college student who is heathly I think this might be a good plan.  For a working adult who has a decent income I would not risk the tax penalty for not being ACA compliant.  I will post more when I see if they really come through with the doctor payments and prescription co-pays which sound too good to be true.  Stay tuned.