I have a long-term condition which is not curable (at least yet).
I have had continuous health insurance through either employers or private plans (since 2012).
Up until the change in the law with Obamacare, it was possible that I could have had my condition excluded from coverage when I signed up for a new policy. Employer-based policies typically don’t because of the group insurance nature of the beast. Private policies commonly did.
IMO, “preexisting conditions” should be required to be covered if the individual has maintained insurance throughout. They may be subject to higher premiums, because they do represent higher payouts.
The former “high risk pools” (state issued insurance, generally) used prior to Obamacare were obscenely expensive and covered very little.
Having said all that, I want to see Obamacare repealed in its entirety, with accompanying reforms in medical tort law (and especially in lawyer culpability for frivolous cases), plus recognition for continuity of coverage - if people are being responsible and paying for insurance, they shouldn’t be punished for switching jobs or insurance carriers.
IMHO.
I do not believe the baloney about insurers not being able to go back to the way it was, streamlining it along the way.
I do not believe the baloney about insurers not being able to go back to the way it was, streamlining it along the way.
The current system was badly flawed, which is a good part of what drove non-welfare minorities to liking Obama’s plan. My own fiancé was born with Cerebral Palsy and if it weren’t for being able to be on her father’s healthcare plan would be screwed - a ‘pre existing condition’ nobody can help plus massive job hiring discrimination? No place will insure you and good luck paying for your $6,000 wheelchair when all you can get is a job at min-wage and your biweekly paychecks are around $375.
That being said, his idea of a fix was obviously designed to fail, and even if it weren’t it has fixed one problem for her while worsening hundreds.