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> google is fine taking your business until That's similar to how insurance companies operate in US. They'd take in customers, let those customers pay for the

by rdtsc 3y ago

> google is fine taking your business until That's similar to how insurance companies operate in US. They'd take in customers, let those customers pay for the insurance every month, happily taking their money. But then, if there were any significant claims filed, they'd go combing through a person's medical history, application form mistakes, etc, and find an excuse to kick them out of the plan. "Oh, you didn't disclose that you had strep throat 7 years ago on the form, so we can't pay your $10000 one night hospital stay...". Affordable Care Act should have fixed that apparently, but who knows. It's good to know Google is playing by the same rules.

trogdor 3y ago
>Affordable Care Act should have fixed that apparently, but who knows. When you buy a Marketplace ACA plan, you are not required to provide a detailed health history.
- dragonwriter 3y ago
  Whether or not its a marketplace plan, preexisting conditions exclusions or additional charges, and consequently retroactive cancellation based on such exclusions, are prohibited by the ACA.
HWR_14 3y ago
> Affordable Care Act should have fixed that apparently, but who knows. Just to clarify what I'm sure rdtsc meant, since that statement can be read two ways. The ACA codified into law that they cannot do that over a decade ago. He is almost certainly just questioning if they are breaking that law. Among other things, the ACA no longer lets them charge you different rates if you had strep throat 7 years ago, so the only questions through the marketplace are your county (or zip code?) of residence, your sex, your smoking history and your age.
- rdtsc 3y ago
  > He is almost certainly just questioning if they are breaking that law. That's for clarifying. Yeah, I just meant that I had a vague understanding that this kind of stuff should not be happening any longer based on ACA. But I stopped following years ago. Knowing those companies, guessing they probably found other ways to screw people over.

by rdtsc 3y ago

trogdor 3y ago

>Affordable Care Act should have fixed that apparently, but who knows. When you buy a Marketplace ACA plan, you are not required to provide a detailed health history.

dragonwriter 3y ago
Whether or not its a marketplace plan, preexisting conditions exclusions or additional charges, and consequently retroactive cancellation based on such exclusions, are prohibited by the ACA.

HWR_14 3y ago

> Affordable Care Act should have fixed that apparently, but who knows. Just to clarify what I'm sure rdtsc meant, since that statement can be read two ways. The ACA codified into law that they cannot do that over a decade ago. He is almost certainly just questioning if they are breaking that law. Among other things, the ACA no longer lets them charge you different rates if you had strep throat 7 years ago, so the only questions through the marketplace are your county (or zip code?) of residence, your sex, your smoking history and your age.

rdtsc 3y ago
> He is almost certainly just questioning if they are breaking that law. That's for clarifying. Yeah, I just meant that I had a vague understanding that this kind of stuff should not be happening any longer based on ACA. But I stopped following years ago. Knowing those companies, guessing they probably found other ways to screw people over.