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Reply #5: According to the analysis [View All]

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Home » Discuss » General Discussion: Presidency Donate to DU
lapfog_1 Donating Member (1000+ posts) Send PM | Profile | Ignore Sat Dec-19-09 03:45 PM
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5. According to the analysis
but I haven't found the supporting language yet, No. In fact, from day one, insurance companies are forced to accept children with pre-existing conditions.

Not so much for the rest of us, however.

Those of us adults with pre-existing conditions will not be included until the exchanges are up and running, in 2014. In the meantime, we are placed in a "high risk" pool and afforded health insurance by paying for it (and you know the premiums are going to be enormous). It will be subsidized, but if you are (I believe) 4 X over the poverty level, no subsidy for you. I've been quoted insurance before (I've been without for 14 years now). My premium will be at least $2000 a month, and with a $15,000 to $20,000 deductible - 14 years ago it was $1200 a month with a $10,000 deductible... and that was the best price I could find then. The high risk pool isn't going to be any better.

I've already resigned myself to no insurance until 2014. And then, well I'm over 50 now, and they are allowed to price in for age, up to 4 X the lower premiums. I probably still can't buy insurance and I still won't qualify for subsidy.

So, basically, I'll be one of the estimated 6% of all Americans who "fall through the crack".

Oh, but I'll be paying the fine for the rest of you.

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