I just saw a blurb on CNN saying that Democrats are blowing things
out of proportion by saying that insurance companies consider
a Victim of Domestic Violence to be a pre-existing condition. The
reality is that 42 states have laws against letting insurance
companies do this. They have the laws because insurance companies
used to do this. In the other eight states, the insurance companies
that CNN queried claimed they do not do this.
If there are going to be private health-insurance companies (and I
don't think there should be), I propose we simply ban
Conditions. If an insurance company offers plan X at Y-dollars
per year to anyone, it has to offer plan X at Y-dollars per year to
everyone. This is group health insurance where every subscriber is in
The problem with the above proposal is that many people would forgo
insurance at all until they've been diagnosed with a serious condition
Was Just in a Car Accident). This has to go along with
some universal coverage scheme. The universal coverage scheme would
probably have to include a mandated
Every Provider Must Provide a
Plan That Covers at Least This Stuff (or 'as much as Medicare') for
This Amount of Money or Less provision.
This should be easy for the actuaries. It is much easier to get real numbers on the whole population than it is to get real numbers on a hand-selected group of folks. Set your rates accordingly for your plans.
[Been coding a bunch the last few days, and I just tried
C-c to recompile that last paragraph. 8^)]