Saturday, January 14, 2017

Republicans say they’ll protect you if you have a pre-existing condition. Don’t believe it.; Washington Post, 1/13/17

Paul Waldman, Washington Post; Republicans say they’ll protect you if you have a pre-existing condition. Don’t believe it.

"Here’s a list of some things that will return once they repeal the ACA:
  • The application process for insurance will become much more cumbersome and onerous.
  • Insurers will be able to charge people with pre-existing conditions higher premiums.
  • Insurers will be able to impose yearly and lifetime limits on benefits, which affects people who have serious illnesses or accidents. This could apply to those with good employer-provided coverage as well as those who buy on the individual market.
  • “Job lock,” in which people are afraid to leave their job and do something like start a new business for fear of losing the insurance they have, will return.
  • Insurers will be able to charge women higher premiums than men, because they consider being a woman to be a pre-existing condition.
  • Insurers will be able to rescind coverage when you get sick.
All of that was eliminated by the ACA. It’s possible that in their replacement plan Republicans might take steps to retain some of what the ACA did in these areas, but right now we just don’t know.
So let’s look at what we do know."

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