“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.
Well as I said. If you take away pre-existing insurance its not really insurance. The only people who could handle material illness are those who got insurance through their work or medicare, both have pre-existing insurance. For the rest who bought insurance on their own, they got in trouble and went bankrupt as soon as they had a material illness. Each year their rates go up dramatically or they are dropped. The insurance industry wants to get rid of pre-existing conditions which is actually the insurance people need.