Pre existing conditions

Single payer

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Insurers should never be allowed to deny coverage of pre-existing conditions or decline covering a potential customer because they possess one. However, they should be free to charge customers a hell of a lot more.

If people cannot afford their healthcare, charities should fill the void. Government needs to get the hell out of healthcare because all government does is make everything less efficient and more expensive.

People with "pre-existing" conditions have been led to believe that their healthcare bills should be either paid by someone else or subsidized by the government.

People that expect to buy "coverage" for something they know going in that they know they already have don't have a clue how the "insurance" business works.

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Isn't the liberals position on this bill not covering pre-existing conditions based not on the fact that the bill doesn't cover pre-existing conditions, but based on the fact that the law gives states the ability to deny, if they want to. In other words, there is no law, by theoretically, a state could pass such a law in the future...

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Yes. The bill gives states the ability to decide what insurers are required to cover, and that includes pre-existing conditions. As of now, insurers cannot deny pre-existing conditions, but this bill allows states to "opt-out" from requiring their insurers to cover pre-existing conditions.

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Well since insurance is risk management I don't understand the logic of requiring an insurance company to cover a house already burned down that's not risk management that's just "pay my bill"

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People don't want "insurance". Healthcare really isn't "insurance" since 80% of expenditures occur in the final 2 months of life and everyone dies. What people want is a handout or a coupon.

Libtard and cuck

Throw in melt, ilk, petulant and jug ears and we have ourselves a nice game of poliboard bingo going

Well, the reoccurring opinion of this board is essentially, people with preexisting conditions wait until they occur and then want to jump on the wagon and get other people (young/healthy) to pay for them. I don't believe that and in my fairly long period on this earth, I haven't experienced that.

But let's say that is true. So how do you envision a health care system working? How I read the opinion is young/healthy people should be insured through whatever vehicle (company or private) and those with infirmities are left out (the company and our its employees should pay higher cost if this is private, if it individual then the other insured shouldn't pay and if is government then the taxpayers shouldn't pay). Unless than those with infirmities can cover their medical costs out of pocket which is self insurance.

I think that is about the size of it.

I don't think insurance companies should be required to cover them. I think that if we had a free market system, a company could see the potential of covering people with pre-existing conditions and they would do that. Charity should cover those who can't afford.

What about the people who DID have insurance at the time of their injury, & either due to further medical issues were no longer able to work? Should they be denied?

What about people who were laid off & work for a new company with a different insurance carrier?

This issue is more nuanced than I've seen discussed here.