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Politics : View from the Center and Left
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To: Cogito who wrote (129735)2/1/2010 4:03:08 PM
From: TimF  Read Replies (1) of 541940
 
It's true that guaranteed issue requirements cause premiums to rise. So what to do? Shall we just keep out of the way and let insurance companies deny coverage to people who are more likely to end up needing it?

The coverage your looking for is not insurance. Insurance is insuring against imprecisely known risk, to the extent the risk is known, payments are determined by statistical actuarial methods. I suppose coverage for people with pre-existing conditions could be offered, but it would probably be unaffordable. Asking for them to be covered at the same rate as anyone else is asking for charity not insurance. Its its compelled than its ceasing the wealth of others to give to them as a group.

Allowing people to buy insurance across state lines isn't going to help.

It will help bring down costs in general, but it won't make much difference for those who have very severe pre-existing conditions.
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