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Without ACA protection you would be uninsurable because now you have a pre-existing condition. Paying full out of pocket would cost you more, or bankrupt you, or you might not be able to be treated until it was too late.
There's no such thing as insurance for a pre-existing condition. It's welfare, plain and simple. And leftists are trying to use language to obfuscate that.
Trump has always said those with pre-existing conditions would be covered. Another lie from the American hating leftists.
Trump also said he wouldn't touch medicare or medicaid and that people could deduct their healthcare premiums from their income tax and you want us to believe that he will always cover pre-existing conditions? Should I also believe in the tooth fairy and the easter bunny?
There's no such thing as insurance for a pre-existing condition. It's welfare, plain and simple. And leftists are trying to use language to obfuscate that.
There's no such thing as insurance for a pre-existing condition. It's welfare, plain and simple. And leftists are trying to use language to obfuscate that.
The problem is that many Americans receive health care insurance through their employers, which means that any disruption of employment puts one’s coverage at risk. COBRA, if you can even cover it while unemployed, is time limited. (For us, COBRA would have run $2500/month, but fortunately my spouse found a new position very quickly after being laid off.) Lots of people who think they are safe because they have employer-subsidized insurance are going to get burned by the repeal of the ACA but won’t understand the consequences until it’s too late.
Call it welfare, call it a social program, call it whatever you want. It's called being a decent human being. Being ill should not be a choice of physical over financial death in a western society. At least one that purports to being civil, and the "greatest nation on earth". The cold callousness of some of the posters on here, I genuinely hope you or your loved ones are never ill.
Before Obamacare, I had nice options. Now, my options are limited to two - and the costs are much higher, both in terms of the premiums and the deductibles. AND it doesn't cover the specialist I need, so I pay out-of-pocket entirely for that one.
Same situation here. Still paying off the deductible on my son's hospitalization from 2 years ago.
Coverage of pre-existing conditions isn't always covered. It's another Obama lie.
I developed a condition half-way through the year, and my insurance company has no specialists in-network. Because of Obamacare, the out-of-network deductible was twice the in-network, so I was on the hook for the first $13,000. And that was separate from the $6,500 in network deductible. IOW, Obama counts me as "insured" even though I had to cover $20,000 of medical expenses and $10,000 in premiums.
I had a much better plan before OBamacare, but Ocare destroyed the private individual market. I had been laying a third in premiums with an affordable $2000 in deductibles.
This had nothing to do with coverage of a pre-existing condition.
There's no such thing as insurance for a pre-existing condition. It's welfare, plain and simple. And leftists are trying to use language to obfuscate that.
I don't understand why you would say that at all.
People buy car insurance with "conditions". We KNOW that young men with faster cars will crash them more. We know the "condition" of where people park at night and it's all figured into the rate (or, in many case, spread out among the entire population).
Let's take Joe Average American - at 40.
If we use the Average cost per person per year of health insurance in the USA (going on 11K), Joe would pay this in premiums and deducts for all costs. Let's say Joe has thyroid problems. This requires yearly doctors visits and medication adjustments. Said person also end up with high blood pressure. A medication and once or twice a year visits to the doc will take care of this.
The insurance company will likely be putting out less than 1K per year - yet getting 11K in premiums.
If I have to even explain this to you...it's probably hopeless anyway.
Because it's just not conceivable that insurance cartels didn't use ACA as an excuse to jack up premiums!
Another state issue...
Prior to the ACA, there were no caps on premiums. The ACA capped insurer’s profits at 10- They must demonstrate proof of loss to their state regulator to apply for an increase in premiums. The state either approves or declines.
The Individual Plan Market has been seriously contracting for more than 25 years. It’s tough to make a profit in the Individual Plan Market. Historically, some state subsidized insurers to remain in the Individual Plan Market. Other states made insurers’ continued ability to sell lucrative Large Group and Medigap Plans, conditional upon continuing to remain the the Individual Plan Market. Still, some states did nothing.
The ACA mandate for guarantee issue- insuring those with existing/preexisting conditions, elimination of the annual/ liferime claims paid and the annual cap on out of network are factors that contribute to premiums. For this reason any comparison of Individual Plans pre vs post ACA is not comparing the same products.
Imagine a state that, pre ACA, that allowed insurers to define and cherry pick medical conditions they were willing to insure, or not. Imagine the same state allowing insurers an unlimited lookback period.
Then there’s the geo rating thing within each state, that substantially predates the ACA. Last I checked, Florida had 69 geo rated regions. Each region is rated on the number and types of claims made in the local region and the ratio of hospital beds and healthcare providers vs the size of the population. And of course, competition or lack thereof, among insurers in a region matters,too. Thus, premiums can and do vary within state, even when the same plan is offered by the same insurer to the same demographic. Thus some insurers will only write Individual Plans in portions of the state- excluding areas that trend less healthy, as measured by claims made and type of claims.
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