“Pre-existing conditions is a straw-man argument because current law forbids insurance companies from denying coverage after one year of the condition treatment.”
Really? We changed insurance companies almost two years ago and they put a rider in that they would not cover my ankle which I had broken 3 years prior. I didn’t have a problem with that but I did ask them a couple of questions about this exclusion. What if I was in an accident and something happened to this ankle? I still would not be covered! We had to change because our other Health insurance had jacked our premiums up so much that we couldn’t afford it anymore. AND we have very high deductible HSA policy. Even they are expensive now! I still don’t want Obama care though!!!
If you felt the need, you could fight it with the HIPAA law. You have the right to dispute the rider. I bet if you read it, the rider said something along the lines of “for this policy, it excludes X”, however, if you made an issue, they would have to offer you a policy that did cover it. You obviously would probably have to pay more, but they can’t deny you.