Friend concerned over daughter losing pre-existing health care insurance

[ebaumbum]

Texas. I have a friend, she is worried her daughter will lose her insurance because she has a pre-existing condition. I have other friends who are telling me that for low-income people, they're paying like 50 a month for their insurance, and that if they keep paying, the contract stays in effect, and they get to keep their insurance, or in other words, they don't have to re-apply and come in as a pre-existing condition type insurance client. Just want to know so maybe I can reassure friend about her daughters insurance.

 

[cbg]

Since 2014, most insurance carriers are prohibited from excluding folks on the basis of pre-existing conditions. That has not changed with the current administration.

 

[justalayman]

Since 2014, most insurance carriers are prohibited from excluding folks on the basis of pre-existing conditions. That has not changed with the current administration.

Yet


Oh how I hate a minimum character count

 

[ecmst12]

Your friend should be regularly writing her congresspeople and senators to urge them to vote against any proposed legislation to repeal or weaken the Affordable Care Act (aka Obamacare) which could jeopardize coverage for her daughter and millions of other Americans.

 

[cbg]

^^^^^^^Like button

 

[ebaumbum]

ok thank you for input, but just curious on price

Say she is paying like a really low price currently, like 50 dollars a month. I'm not sure, but that's how much my co-workers pay since they earn maybe only 8 to 9 dollars an hour, it puts them in that bracket. So, will her price go up, possibly, if the current administration does some changes, or will it stay locked as long as she keeps paying the insurance monthly and on time with her current price.

 

[Zigner]

Say she is paying like a really low price currently, like 50 dollars a month. I'm not sure, but that's how much my co-workers pay since they earn maybe only 8 to 9 dollars an hour, it puts them in that bracket. So, will her price go up, possibly, if the current administration does some changes, or will it stay locked as long as she keeps paying the insurance monthly and on time with her current price.

There is NO way we can even guess...really. Even the politicians don't know the answer to that, because the law (if a new one takes effect) hasn't even been finalized.

 

[NIV]

Even the current proposals out there I read include the continuous coverage exception for pre-existing conditions that was the same as before the ACA trainwreck. As long as the coverage is maintained, there should be no problem.

The current pre-existing conditions issue has to do with anyone buying insurance without the company being able to properly rate it and only can use a few reasons to adjust premiums. (Where you live, if you smoke, etc.) The so-called death spiral is because of the current pre-existing condition rule. The young invincibles, don't want to pay the same rate as an old man like I do so decline insurance and only get it if they lose the bet and get seriously injured or sick. The strategy saves them money the law intended them to pay for my medical care. (Not actually "mine" as, though I'm old, I use much less medical care than most.) The penalty was designed to remove the savings calculation by forcing coverage or pay the penalty. It didn't work.

 

[cbg]

The price she has is locked in only for the length of time the contract says it is locked in for. I very much doubt that is for longer than a year.

Therefore, it is quite likely that the price could go up within the next year no matter what the current administration does.