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I 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 applica
by Someone1234 8y ago
I 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 8y agoWould the ACA prevent that kind of scam? I genuinely don't know.
- WalterSear 8y agoThe incentive is gone, since preexisting conditions are no longer a disqualification.
- dsfyu404ed 8y agoThe incentive is still very much there. You just can't use a preexisting condition as your excuse anymore.
- WalterSear 8y 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 8y agoYou aren't required to complete an application form when you sign up anymore, so they don't even ask you medical questions.