Nope. It was the LACK of government regulation that allowed companies to decline health insurance applicants for pre-existing conditions. In fact, until HIPPA was legislated, the federal government had absolutely no jurisdiction over health insurance companies. That is why there is a Insurance Commissioner in every state. I was also VP of Compliance, and most state insurance laws were so lenient, that my job was mostly just going through the motions to get their approval for whatever we wanted to do. New York was a dramatic exception. If a health insurance company wanted to do business in New York, they had to follow their laws in every other state. Most health insurance companies avoided that by setting up a separate company to do business in New York.
Garbage. What you are saying is that state regulators failed to do their job.
Spin it all you like, but the government put an end to the insurance company's greedy practices in this area.
At the same time, they created a huge barrier to entry for anyone who wanted to get into the business. I know people who tried.
State regulators enforced the laws that were passed in their states. For all practical purposes, there WERE no insurance laws in the states, other than solvency requirements. THEREFOR, the pre-existing conditions declinations were the result of a LACK of regulatory authority by any government entity. This was not solved UNTIL the government regulated that the practice was illegal, by the passage of ACA.
Spin it all you like, but the government's passage of ACA put an end to insurance company's greed in the area of declinations for pre-existing conditions..