re: So everyone understands the issues with "pre-existing conditions" correct?

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Quick primer ... it's pretty basic but no one ever talks about it.

The problem with pre-existing conditions is that people have learned to job the system.

My wife has been in HR for years negotiating deals with the big boys for employee subsidized coverage. She's so good at it she was actually hired, this year, by one of the big boys ... the biggest of the big boys when it comes to health insurance.

So here's what she says is the problem with pre-existing conditions.

Every since ACA (Obamacare) was passed and put into motion people quickly learned that they can go without coverage for a problem, put it off, wait until the last minute and then buy insurance and demand coverage and care after paying the first premium on the policy.

So what happens is, and evidently this is especially happening in the 50-65 low income age group ... they know they have problems after decades of bad lifestyles - they wait until the last minute, buy the policy and expect to be covered and taken care of after basically making one or two premium payments.

Some examples?

The big costly ones are joint and hip replacements. There is literally a racket going on in that classification of ailment.

There are late to the game cancer claims - and the cancer care industry is a racket unto itself. They've got it down to a science - once you have coverage they will keep you alive just long enough to drain every penny from your ACA guaranteed policy and they'll take your house, every asset you have, and even any money your kids might throw at the cancer.

She says we would be amazed at how many people file first time claims for Type II diabetes ... within 60 days of starting coverage. The average new policy holder they've seen over the past few years have had diabetes for years, have it on their record/history, but ignored it until they started going blind or their kidneys are failing or their feet are being amputated ... so they've made two premium payments totalling $1,500.00 and that was subsidized. They've got a $10k deductable on a 70/30 plan and the insurer is being forced to pay-out $100s of $1000s in claims ... it is undoable. It cannot be done.

So there is a big big problem with the pre-existing condition stuff that is always going to be unfixable unless Uncle Sugar subsidizes the insurance companies for each and every citizen being allowed into the system.

It's an impossible task. There is no solution. It cannot be done.

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