Pre-existing conditions should be insured. Insurance for a single calendar year without pre-existing conditions is not really insurance. What material medical expense fits nicely in a calendar year. You could charge the client for whatever insurance they did not pay for in the past year or two. If you are worried that some people only get insurance when they are sick. But as you get over 50 you always have pre-existing conditions.
The other issue they need to look at is cost. Why do we pay more for a drug than the average of the top 50 richest countries. We should pay that average or we should not insure that drug.
Also, hospitals and doctors should have one price for each service. The idea that one guy pays 10 times more than another is crazy. Charge what you like but everybody gets that price like a grocery store.
“Pre-existing conditions should be insured. Insurance for a single calendar year without pre-existing conditions is not really insurance. What material medical expense fits nicely in a calendar year. You could charge the client for whatever insurance they did not pay for in the past year or two. If you are worried that some people only get insurance when they are sick. But as you get over 50 you always have pre-existing conditions.”
The dilemma is that the preexisting conditions coverage is the main source of Obamacare’s higher premiums and hugely higher deductibles. Take that away and insurance companies can go back to doing insurance.