[Dr. Pritchett]

I have a question about “coverage for preexisting conditions”...

If an insurer KNOWS that a customer has a preexisting condition that they must cover with insurance, can’t they just raise that person’s premium and deductible to cover the inevitable expense?? Sure, cover them, but raise the cost just as you would insure a car that’s very expensive or a home in a disaster prone area.

What’s the deal with this?

[dp0622]

I dont think the raising would still be nearly enough to cover certain pre existing conditions such as, well, what pre existing condition would cost a fortune or a long time without the person dying from it?

I float back and forth between the constitution not saying anything about the right to medical care to not wanting anyone with cancer, MS, etc. to have no avenue to get treated, as an adult.

[libertylover]

can’t they just raise that person’s premium and deductible to cover the inevitable expense??

I'm not 100% sure, but I think the answer is no under Obamacare. I think they CAN raise the premium and the deductible to a point, but they are limited by Obama.

And if you don't have insurance and then you're diagnosed with say cancer, the insurance company has to take you and they can charge you say $1000/month but the treatment may be $10,000/month, and that's not fair to the insurance company or the other policy holders who inevitably have to pay more than they would otherwise.