Health insurance by definition should be available to all and shouldn’t preclude you based on age or pre-existing condition. Insurance is about spreading the risk amongst an entire grouping of people. To start creating separate “pools” for the elderly, people with pre-existing conditions, people with cancer, or other life challenging conditions is outright discrimination.
Next we will allow employers to access your health records as a condition of employment to determine how expensive it would be to manage your health while you are employed with them. I warn you allowing this health care act to go thru like this will start this journey.
Here is a listing of major pre-existing health conditions:
AIDS/HIV, acid reflux, acne, ADD, addiction, Alzheimer’s/dementia, anemia, aneurysm, angioplasty, anorexia, anxiety, arrhythmia, arthritis, asthma, atrial fibrillation, autism, bariatric surgery, basal cell carcinoma, ipolar disorder, blood clot, breast cancer, bulimia, bypass surgery, celiac disease, cerebral aneurysm, cerebral embolism, cerebral palsy, cerebral thrombosis, cervical cancer, colon cancer, colon polyps, congestive heart failure, COPD, Crohn’s disease, cystic fibrosis, DMD, depression, diabetes, disabilities, Down syndrome, eating disorder, enlarged prostate, epilepsy, glaucoma, gout, heart disease, heart murmur, heartburn, hemophilia, hepatitis C, herpes, high cholesterol, hypertension, hysterectomy, kidney disease, kidney stones, kidney transplant, leukemia, lung cancer, lupus, lymphoma, mental health issues, migraines, MS, muscular dystrophy, narcolepsy, nasal polyps, obesity, OCD, organ transplant, osteoporosis, pacemaker, panic disorder, paralysis, paraplegia, Parkinson’s disease, pregnancy, restless leg syndrome, schizophrenia, seasonal affective disorder, seizures, sickle cell disease, skin cancer, sleep apnea, sleep disorders, stent, stroke, thyroid issues, tooth disease, tuberculosis, ulcers.
Don’t mess with something unless you can make it better. This current bill fails and is outright false in stating that premiums will go down – read the fine print: Premiums will be less for young healthy adults but will be cost prohibitive for less healthy populations. Health Insurance keeps costs down by including a healthy population of people in the pool to assist with less healthy people. That is what health insurance is and is imperative in keeping an overall healthy society. Failure to follow this model will place a tremendous burden on our elderly and people with health issues.
You might as well just start screening everyone in the womb and terminate any “unhealthy’s” and if you are old or have a health issue or “pre-existing” condition you are shipped underground to die. Then health care will be affordable to all!