So you don't want anyone with a pre-existing condition to get insurance, period? What about those who had insurance at the time of being diagnosed with a disease then lose their jobs, are they screwed from ever getting insurance again too?
Or were your comments aimed at those who wait until they get sick to ever buy or try to buy insurance? Some clarification would help your point.
As someone who's carried insurance on his own since 18 years of age and being recently diagnosed with a crippling form of arthritis, if I lose my job and I've paid insurance premiums non-stop since 18 years of age should I be prohibited from getting insurance again because I now have a pre-existing condition?
You should be careful when using such broad brushes as to who you paint with your statements.
IMO there are three facts in play here, and neither is mutually exclusive:
Fact #1: Obamacare must be repealed. Period, end of discussion.
Fact #2: Insurance companies should be prohibited from just "dropping" people when they get sick, or finding ways to not insure them at all after they'd been previously insured, simply because they happened to get sick and require the insurance company actually provide coverage while they were sick. The fact is, insurance companies do this kind of crap all the time, I know plenty of people who can't get health insurance on a family member because that son/daughter was born with a condition, even though the mother and father both had health insurance where they worked. That's just wrong, and that's just one case I can talk about.
Fact #3: Those who abuse the system and do not purchase health insurance should be forced to bear the full brunt of the costs of their treatment when they get sick. In no way shape or form should they be allowed to foist their costs onto the rest of us because they failed to do the right thing and purchase health insurance to cover themselves.
Personally, I'd support a bill that does #2 and #3 above. Those of us who work and play by the rules in #2 shouldn't get screwed because we got sick. Those who abused the system in #3 above should pay, period.
And yes, I'll say it again: REPEAL OBAMACARE. Don't "fix" it, drive a stake through it's heart and burn it to the ground. Any new legislation needs only to address #2 and #3 above to be successful.
There has never been an insurance contract of any kind that extended beyond one year. Some are renewable, some are not.
Do a search for the American Society of Actuaries and ask as many as you can contact if your wished-for scheme would ever work without government mandates, tax grabs and total governmental intervention and you will learn the truthful answers to the questions you asked.
Caution... You must be able to handle the actuarial truth, however.
Unfortunately, a few rotten apple companies have toyed with their policyholders over the wordings in their policies. This more than anything else has given rise to all this unnecessary controversy!!!
Title I of HIPAA prohibits pre’existing conditions for group policies for longer than 12 months. Additionally, they regulate what can be determined “pre-existing” conditions.
So what’s the inexpensive answer? More groups/pools not much taxpayer burden in that. And probably doesn’t even need Congressrats involved. A bonus.
A pre-existing condition cannot be “insured” because it has already happened and trying to do something like that will bankrupt the system and drive it to a government solution (which will be far worse in terms of quality of care and ultimately due to rationing)
People get sick and die. We are not going to stop that. A free market solution means the most people will get the best care. Just like it has meant that the most people will rise in their economic standing and create the envy of th world when it comes to standard of living and individual wealth.
That is really what this debate is about. The socialists and marxists wanting to foist control on the economy and destroy the free market.
If the GOP is serious about reform they can start by repealing those clauses in ERISA legislation that keep you from taking your insurance company to court if they unfairly deny your claim, or their denial of treatment causes you harm.