I have been a multi-state licensed health and life insurance Broker for more than 15 years now. I have also served as a Subject Matter Expert on Health Insurance for multiple business journals around our great country. One of the biggest challenges I’ve had to deal with throughout the years has been trying to secure coverage for people with pre-existing conditions who obtain their health insurance on the Individual market. They represent 10% of the American Insured.
I’ve never had to worry about pre-existing conditions with the other 90% of American Insured’s who get their health insurance through an Employer Sponsored Group Plan. Why? Because A Federal law called HIPAA has protected them against being denied health insurance because of pre-existing conditions for more than 14 years now.
Because Government legislators did NOT apply this law to Individual health insurance policies, you can be labeled as “uninsurable” when you apply for an individual health insurance policy if you have one or more pre-existing conditions. That being said, who should we TRULY blame for the fact that you can be denied coverage for a pre-existing condition? Is it the Insurance Company’s fault? Or are they simply following a law that was written by Government Law Makers who did not include HIPAA portability protection for the MILLIONS of American’s who purchase Health Insurance on their own in the Individual Market?
Read the details about what to do if you have pre-existing conditions, what is wrong with the current system, and how to fix it HERE.
Who are the Uninsured? Did you know almost half make over $50,000 a year? Did you know that a third of the uninsured qualify for low cost insurance programs and simply refuse to enroll?
It was government law that created the pre-existing condition problem for 10% of the population:
In the video above where the speaker talks about how Obama lied about a man who had a pre-existing condition Factcheck.org verified it HERE.