[xzins]

Pre-existing conditions were covered in most states before ObamaCare through state pre-existing condition pools.

They were expensive.

My memory says that insurance companies were bought out rather than folded BECAUSE of their clientele.

There was also gap insurance that had to be provided under HIPAA of 1996

https://en.wikipedia.org/wiki/Health_Insurance_Portability_and_Accountability_Act

[Proud_texan]

Yep, assigned risk is expensive. I guess my view is that this couple didn't do anything wrong, they played by the rules, got hosed over by the ACA and have been "punished" already and are hardly in a position to take another hit. She's been in a wheel chair for almost 3 years, going to dozens of office visits, the kind of stuff you see when that happens, just hate to see the kind of premiums they'd probably see in a pool.

The accident wasn't planned, just one of those life things; not self inflicted but part of life. The insurance mess they've been put it was entirely man made.