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Their is a problem with people with pre-existing conditions. I wish there was a better way for them.
However, some things have been put in place to allieviate some of the problems.
They are conservative values, but asking the policy holder to be more accountable really goes a long way.
The new HSA plans can cut the premium of most healthy family insurance plans in half. If administered correctly, it allows people to adjust their deductible as time goes by to assist in the inevitable rising costs of health insurance.
A very good side affect of higher deductables is less underwritting necessary.
Your local agent wont tell you about those because he makes less money, but you should ask them about it.
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