Voters and most Americans want individuals with pre-existing conditions to receive health insurance like anyone else.
Supporting the ability for someone with a pre-existing condition to obtain health insurance sounds compassionate. It should also sound like a way to allow some people to game the system while increasing premium costs for others in the insured group.
Even Medicare does not allow late enrollment without a permanent financial penalty on premiums.
Let’s make one thing clear though, pre-existing condition exclusions do not and never have applied to newborn babies (as long as parent has coverage).
Shouldn’t we also be asking why individuals have a medical condition, but no insurance? For years loss of coverage has been a condition allowing immediate enrollment in an Obamacare plan. For years Americans have had an opportunity to enroll in coverage, no questions asked.
There was a time a few years ago when it was compassionate and appropriate to ignore pre-existing conditions in obtaining health insurance without penalty. That time had passed. Having a pre-existing condition today and no health insurance typically means that individual has been avoiding responsibility. They don’t want to spend money on premiums. As some politicians would say, not paying their fair share. Others who have insurance, but few or no medical expenses are responsible and paying more than their fair share. At this point nearly five years after Obamacare’s first open enrollment there needs to be consequences borne by individuals who have ignored the law and their responsibility to others. It’s not insurance companies who carry the burden it’s the group of insured.