Please call and ask your congressman to vote NO.
In this bill pre-existing conditions can get a premium 5X higher.
List of pre-existing conditions IS NOT SPECIFIED ANYWHERE IN THE BILL THAT I COULD FIND. So this is up to insurers. But a good definition is:
a condition, illness, or injury that can be identified as one that does not necessarily affect your overall good health but could affect the risk balance of all insureds
Read it again. You could have a condition that doesn’t affect YOUR health but ruins the pool. It could qualify. The thing is that insurers get to choose.
It could include things like seeing a therapist. That was considered a pre-existing condition before Obamacare. As were most mental health issues.
You will also note that there is probably a weight chart. Obesity is a condition that plausibly considered pre-existing.
You may think this doesn’t apply to you – but it definitely applies to someone you love. And let me be clear:
This bill penalizes you for losing coverage for more than a few months, by increasing premium by 30%. If you are working and poor, you can’t afford insurance so you don’t have it. You get it when you have an health disaster – A pre-existing condition. Now imagine:
- If you are older (50 -64) – they will be charging you up to 3X more than younger people.
- They will then charge you 5X that rate for the pre-existing condition.
- PLUS the 30% premium penalty for the break in coverage.
This is what will happen to people who used to be covered for an affordable amount under Obamacare.
They can’t deny you insurance, but they have effectively denied it to the working poor because the insurance will just as unaffordable as the medical care.
I won’t get into all the ways they cushioned it up for the people with money. But suffice to say – they make sure life is easier for people with money.
But the way they structured this, I think they have creeped the insurance cost barriers into middle class families as well.
This entire thing is going to fuck me. I have pre-existing conditions.
Please – call. Again. Please.