Reply #8: Not so. Companies could not consider health status in issuing the policy.

[bornskeptic]

Thus the insured would be under no obligation to reveal a pre-existing condition, so he or she could not be charged with fraud for concealing it. Actual insurance fraud is a major factor in the high cost of US healthcare, and although Medicare and Medicaid are the primary victims, private insurance is not immune to it. The fraud clause in the current legislation has nothing to do with pre-existing conditions.