“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...
in this case i think what the wife might need is healthcare, not insurance. why force a third party company, whose purpose is to take the gamble on risk to lose. that ain’t america
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.
The best choice is to leave cases like this to charity. And in a free America, no one would fall through the cracks.
But there's a long way from here to there. In the interim, perhaps it would be possible to put the uninsurable into a pool for healthcare providers to bid on. This wouldn't be insurance. Simply bidding for care. The care would have to be tax-funded. Like Medicare.
In practice, Romneycare isn't working in MA. Rates are skyrocketing.
EXACTLY!
Unless your loved one has been dropped by an insurance company, you have no idea what this kind of nightmare is like!
I am 59 now. I have been paying for my own Health Insurance since I was 18 through my Employer. When I took early Retirement, I moved to my Wife's Health Insurance because it was cheaper than the Retirement Coverage offered by my previous Employer.
I contracted Leukemia two years after I Retired. Now that my Wife was laid off, we are paying $1300 a month for COBRA Coverage. If she finds a Job, the new Insurance Company cannot refuse to cover me since I have maintained my Insurance with no interruptions.
The way to fix the Pre Existing issue is for a Defined Risk Pool being established, just as Drivers with terrible driving records can get Assigned Risk Liability Policies on their Vehicles. The Insurance Pool is outside the regular Car Insurance System and Rates are determined within that specific group.
The problem that Liberals have is they want to change everything rather than focusing on the problem of a minority of participants. They pulled the same thing when the Medicare Drug Benefit was put together. President Bush wanted a plan to help poor Seniors, but the Democrats insisted on the Plan covering everyone, including Bill Gates. It is all about control and it is nothing about helping people. Making the simple complex if you will.