Then you do not know beans about insurance. Insurance is for future events—not pre-exising conditions. If you make insurance companies take people with pre-existing conditions, that is no longer insurance and lots of folks will just not get insurance until they have to get insurnace (i.e., they get sick and have a pre-exising condition).
I said people need to have an incentive to purchase coverage before they get the pre-ex condition. I understand the ramifications fully if people can take out coverage after coming down with a sickness or accident.
Insurance is for future events—not pre-exising conditions.
I remember the days when a newborn baby had to be enrolled and accepted for coverage...and the baby could be declined. How would you like to be parents of a newborn and be subject to $100,000's of thousands of cost because the baby was born with a severe medical problem? It would suck and it happened..a lot. Laws made many years ago prohibit this. Carriers have to accept a newborn no matter what the health conditionas are (not the same as the 18 year old clause).
This whole pre-ex is more complicated than you make it appear. It's not all cut and dried.
RE: “As someone who has been in the health insurance business for 30+ years the pre-ex clause and allowing kids to stay on their parents plan are good measures.”
AND............
“Then you do not know beans about insurance. Insurance is for future events—not pre-exising conditions. If you make insurance companies take people with pre-existing conditions, that is no longer insurance and lots of folks will just not get insurance until they have to get insurnace (i.e., they get sick and have a pre-exising condition).”
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I agree with YOU! Newbie “clagwell” isn’t impressing me with his knowledge of health insurance, despite his claim of 30 years of experience. I worked for Blue Cross for many years myself, much of the time in Legal —
I’ve seen it all —
Allowing pre-existing conditions and allowing ‘kids’ (HA!) to stay on parent’s policy until age 26 are NOT good ideas!