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According to webmd, plan rates will only depend on age: "" Q: Will there be a limit as to how high a premium insurance companies can charge if you have a pre-e
by hershel 13y ago
According to webmd, plan rates will only depend on age:
""
Q: Will there be a limit as to how high a premium insurance companies can charge if you have a pre-existing condition?
A: Yes. As of 2014, insurers cannot charge consumers different rates for health insurance because of health status or gender.
You can be charged more for your age, however, with older people paying a higher premium than young people. But that increased charge is capped at no more than three times the standard rate"[1]
Edit: Actually "The law allows for differences of premiums based only on four criteria: age, location, family size, and smoking."[2], which seems like a good way to do racial profiling and increasing premiums on poor people(since they're probably less healthy), as expected in the u.s, but at least pre existing conditions couldn't be a basis for a rate difference.
I wonder thought how legal would be doing data mining with this information (an other free datatbases) , and how much deanonimization could be practically achieved ?
[1]http://www.webmd.com/health-insurance/health-reform-insurance-for-pre-existing-conditions http://www.webmd.com/health-insurance/health-reform-insuranc...
[2]http://ahip.org/Issues/January-1-2014-Provisions.aspx http://ahip.org/Issues/January-1-2014-Provisions.aspx
[1]http://www.webmd.com/health-insurance/health-reform-insurance-for-pre-existing-conditions http://www.webmd.com/health-insurance/health-reform-insuranc...