[deadrock]

If people cannot be denied coverage due to a preexisting condition then the government has to force people to buy insurance. As simple as that.

[deadrock]

Or no one will buy serious insurance until a serious conditions develops.

[Principled]

If people cannot be denied coverage due to a preexisting condition then the government has to force people to buy insurance. As simple as that.

When i was a kid, I had a preexitsing condition. I was able to get insurance tho the insurance wouldn't cover said preeixisting condition until i'd been covered 6 months.

Why can't it be that way again?

[thoughtomator]

If someone already has a pre-existing condition, the issue of insurance should be a moot one - the risk has already been incurred and can’t non-fraudulently be insured against.

It’s time to separate the problem of people with pre-existing conditions that make them uninsurable from the rest of the insurance availability issue.

Insurance is a risk pool. Pre-existing conditions are not risks, they are realities. The term insurance simply does not make sense in that context.

[FirstFlaBn]

If people cannot be denied coverage due to a preexisting condition then the government has to force people to buy insurance. As simple as that.

Sage analysis - unless money is no object. Once the Pubbies enthusiastically endorsed pre-existing conditions coverage, either this provision or bankruptcy were inevitable.

[Brian Griffin]

“If people cannot be denied coverage due to a preexisting condition then the government has to force people to buy insurance. As simple as that.”

Things are never that simple.

Coverage could be denied for that pre-existing condition alone for a period of up to 18 months. That’s the old way.

Another way is to limit the payouts for a period of time for that pre-existing condition to say 80% of the premiums due and paid in full.

If you can live without coverage for a condition for 6 months you in most cases could live without coverage for 18 months.

I could become HIV-positive tomorrow and not gets AIDS for 10 years.

If could get rheumatoid arthritis next month and not suffer severe disability until I’ve been on Medicare for five years.

I could get cancer in October. I might be dead in a year, covered or not.

[blackdog]

Nobody actually explains the reality of "pre-existing conditions" denials. It does not preclude you from buying insurance. If you have a pre-existing condition, you are prevented from insurance coverage for that specific condition for one year from the start of your coverage. All other things are covered, and then after one year of continuous coverage, so is the pre-existing condition!

I have personally been through this several times. I really wish the media would start doing their job and reporting facts instead of DNC press releases. I also wish the pubbies would start explaining the facts.

[ArmstedFragg]

Yep. The key to getting rates down is to increase the number of insured who are taking less out than they’re putting in. You can either charge a short term premium for those with pre-existing conditions, which produces lots of whining, or refuse to pay the bills for a couple of months for those who don’t stay covered, which produces a similar amount of whining. The whiners seem to believe there’s a third option that involves claims paying money falling from the heavens. So far, there’s no evidence of that.

If everybody can delay paying premiums until they can collect more than they’re paying in, you no longer have insurance, you have an entitled medical claimants club.

[boycott]

If people cannot be denied coverage due to a preexisting condition then the government has to force people to buy insurance. As simple as that.

—

Yep.