Like most of you, I've bought insurance policies over the years. My understanding is that you are covered after you fill out an application and pass some kind of underwriting.  Most importantly, your application does not go to underwriting until you present the agent or company with a payment, usually the first month's premium. We heard that many people went to the AHCA website over the last few days but some people are still in the dark, or don't know whether they have coverage or not according to CBS: "The last minute spike in enrollments now puts pressure on insurance companies to process hundreds of thousands of new customers in a very short time.  Karen Defnall, who runs a daycare in central Virginia, said she thought she enrolled last week, but has no confirmation from the insurance plan. She said she's now concerned she won't have proof of insurance when her coverage is supposed to begin next week. "What if a need comes up? What if January 2, I have an injury...(Read Full Post)