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It's more extreme than your example. The parent is ignoring the fact his great healthcare experience is predicated on them being able to drop him the moment the
by WalterSear 7y ago
It's more extreme than your example. The parent is ignoring the fact his great healthcare experience is predicated on them being able to drop him the moment they could, when his illness became too expensive.
Ending pre-existing conditions was the game changer in the AMA. Treating people is obviously more expensive than not treating them.
- mrosett 7y agoThat's just not how it worked with employer insurance. Perhaps they could drop your whole company, but the insurer couldn't unilaterally cancel a single employee's plan.
- pnutjam 7y agoNo, but sick individuals, or those with sick family members are lousy employees... wink... wink..
- WalterSear 7y agohttps://www.chicagobusiness.com/article/20140918/NEWS03/140919814/centegra-sued-after-firing-employees-with-high-health-care-bills https://www.chicagobusiness.com/article/20140918/NEWS03/1409...
- Someone1234 7y agoI know someone who pre-ACA had employer insurance who was dropped by that insurance after they got skin cancer. The official reason was lying during the application process (10+ years earlier). They forgot to list childhood Asthma on their application form ten years earlier.
- mrosett 7y agoWould the ACA prevent that kind of scam? I genuinely don't know.
- WalterSear 7y agoThe incentive is gone, since preexisting conditions are no longer a disqualification.
- dsfyu404ed 7y agoThe incentive is still very much there. You just can't use a preexisting condition as your excuse anymore.
- WalterSear 7y agoI would argue that the incentive was implicit and fundamental to the nature of the business, because it provided agents with a method to pick and choose their clients. By inducing lapses in insurance coverage, insurance companies were able to convert illnesses under active treatment into preexisting conditions.
- Someone1234 7y agoYou aren't required to complete an application form when you sign up anymore, so they don't even ask you medical questions.
- WalterSear 7y agoThere were plenty of cases where they would raise an employer's premiums and let them know why, and sick people lost their jobs and their insurance.
- FireBeyond 7y agoWitness all sorts of horrible behavior, like employers saying "Sorry, all, no raises this year, because one of your coworkers was using so much of our health insurance pool that they raised our rates!"