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Politics : A US National Health Care System? -- Ignore unavailable to you. Want to Upgrade?

To: John Koligman who wrote (2039)	9/10/2007 6:13:35 PM
From: Peter Dierks	Read Replies (1) \| Respond to of 42652

If you applied for an insurance policy as an individual, then you are subject to their underwriting. If they accept you and you had current insurance when you started on their policy, then they were required under federal laws to waive any exclusionary periods in excess of current exclusions under your then in force policy. If you got buffalo'd into accepting something less, caveat emptor. If you neglected to COBRA from your former employer and gave up insurance, then you come from the ranks of the uninsured. If you were applying for individual insurance then you would be underwritten with your current medical conditions for acceptance and rating. After that you would be assigned a risk pool and your premiums would fluctuate roughly with the pool (adjusted for your differences when significant). This is my understanding of the law, I have not been an insurance administrator for about seven years, so some things have changed. These laws were in force at the time and I would likely be aware of major changes.