This is one of the most popular provisions in an otherwise despised law, Obamacare. It polls consistently well. And it sounds good: Insirance companies cannot deny coverage for pre existing conditions. Right?
But why would they deny coverage to begin with?
When they are forced to issue policies to people with pre existing conditions, who pays for the higher risk the company incurs by insuring them?
I realize these are beyond Stage One questions so the leftists here wont have a clue what I mean. But maybe some of the more informed posters can chime in.
HERE ARE the FACTS about those MILLIONS and MILLIONS who aren't covered because of "Pre-existing conditions"..
The fact is there never were 100 million people ineligible for health insurance due to "pre-existing conditions" as stated below!
The fact is less then 1.5 million that were denied due to "pre-existing conditions"!
Obama's Pre-existing Conditions Whopper
ObamaÂ’s Department of Health and Human Services (HHS) incredibly determined that almost half the American population could be ineligible for health insurance due to a preexisting condition.
This sure sounds like a crisis, but the HHS simply counted all Americans with asthma, bad backs, diabetes, hypertension, and other chronic diseases
that theoretically could be a reason to deny coverage or charge a higher premium.
According to the latest Census Bureau data, 309 million Americans have health insurance.
Of these 4 percent are covered by directly purchased insurance alone. The remaining 96 percent are covered by government or company insurance or some combination.
Government health insurance does not allow discrimination based on preexisting conditions.
Company insurance typically does not either, insofar as the risk pool is already incorporated in the premiums, and there are portability requirements
in moving from company to company.
Thus 12 million people purchased private direct purchased health insurance on the eve of Obama Care.
Insurance industry studies show that
one in eight applicants for private health insurance have preexisting conditions that affect their eligibility or premiums.
This gives a total of
1.5 million Americans who were denied health insurance or paid higher premiums due to pre-existing conditions.
The Obama administration has lied with statistics! Instead of 150 million, there are 1.5 million Americans,
who “cannot get insurance or must pay higher premiums due to pre-existing conditions.”
The pre-existing conditions crisis becomes a gnat bite when things are measured correctly.
How to Lie with Statistics of the 1960s showed how to fudge statistics a little, not to exaggerate by a hundred-fold.
The Obama administration has taken this to a new level befitting the 21st century.
But must we change our whole health care system to handle a problem that affects one half of one percent?
If we gave a
$10,000 subsidy to each person denied coverage or paying a higher premium, we could keep our existing health-care system pre-conditions for one tenth the projected cost of Obama Care.
Obama's Pre-existing Conditions Whopper - Forbes