I don’t know of any insurance company that has an option to pay for risk that they would have to cover a disabled kid a for his entire life.
My daughter was born normal, and then got sick when she was 6 weeks old. She has a brain injury and epilepsy with a whole bunch of other problems.
What’s going to happen to her when she is an adult and off of our insurance? She’s got some learning disabilities, so it might be hard for her to get a job. (Not sure yet.)
My brother got cancer and was dropped from his private individual insurance. His wife got a job that had insurance, so he finally got covered.
I think it’s one thing for a person to choose not to have insurance. They are taking a risk. I think it is horrible to always have insurance and to be dropped or not covered by individual insurance.
Unfortunate, but what do you propose? You think insurance companies should be forced to cover them at average rates even though that necessarily means losses for the insurance companies?