nobody will insure if pre-existing conditions must be paid for. this guy is an ass.
“nobody will insure if pre-existing conditions must be paid for.”
I don’t know... This is a problem area. As things go now, if your wife gets, say breast cancer at 35 and beats it, she is basically uninsureable for the rest of her life. That puts her in a real tough spot... Perhaps rules could be written that would keep people from gaming the system and still allow her to get insurance.
For instance, If she is insured at the time of her initial diagnosis and covered for the breast cancer, then the insurance industry can’t consider it a preexisting condition for future policies.
Just a thought...
Wrong, no one will be insurable (eventually) if pre-existing conditions are NOT covered.
You're missing the point. Everyone eventually gets some form of disease (in the generic sense of the term) for which they're covered until they either lose their job, their health care plan changes, or some other factor. It's at that point that their "pre-existing condition" becomes un-insurable, and typically they themselves then become un-insurable.
If you're going to stick with your position, then you'd best hope you end up dying healthy and never needing insurance in the first place.
I'll add one other thing before I put my flame suit on: Anyone who thinks that we're "going back" to the old system where people get booted off their insurance policy or claims not getting paid for has a serious screw loose. IMO, that is the ONLY benefit of Obamacare passing in the first place.
By that I specifically mean repeal, replace, and REPAIR those parts of our health-care system that need repairing. No one in their right minds wants government-controlled healthcare, nor do they want to go back to what the Insurance companies have gotten away with for years, denying coverage for every little thing while taking our premiums in payment for a service they don't provide.
Personally, I pay $9,600 for health care insurance annually, and have a $2,500 deductible that I must meet before my insurance pays dime ONE of a claim. So why am I paying $9,600 + a $2,500 deductible every year for Health Care insurance when I typically spend about $800/year towards my deductible? That's insane.
The Health Care insurer (Blue Cross/Shield of IL) is getting $9,600 PURE PROFIT for zero service, and all because NOW the Government says I have to PAY for insurance. It's a LAW in Illinois that if your insurer provides health care coverage and you have no other means of insurance, and if you can't PROVE you have health-care coverage elsewhere, all employees are automatically enrolled in the Employer's plan and have NO CHOICE but to pay. That's GOVERNMENT MANDATED HEALTHCARE, long before ObamaCare existed! It's a protected MONOPOLY here in IL where a handful of insurers have locked up the market!
That ain't right. Bring on COMPETITION and let's see those premiums drop I say.
Exactly... Unless everyone is put into a national pool, and insurers are assigned customers randomly. Maybe something like that is the plan.
We pay for the uninsured regardless, because hospitals are required by law to accept the indigent.
Maybe this works in theory, but here in MA, rates are going through the roof.