Quote:
Originally Posted by dyna mo
oh. Yes, of course.
One law would do it: it's against the law to deny coverage due to pre-existing conditions. problem solved.
|
As someone with a pre-existing condition (I have asthma) I can tell you that it likely wouldn't have been that simple. Insurance companies denied me coverage because I would cost them money. It was that simple. To combat that they would either flat out deny me or they would approve me, but the rates would be so high that it wasn't worth paying them.
So the government could force these companies to accept people with pre-existing conditions, but unless they put some kind of pricing structure in place there is nothing keeping the insurance companies from just cranking the rates up so high nobody with pre-existing conditions can afford it.