RE: “As someone who has been in the health insurance business for 30+ years the pre-ex clause and allowing kids to stay on their parents plan are good measures.”
AND............
“Then you do not know beans about insurance. Insurance is for future events—not pre-exising conditions. If you make insurance companies take people with pre-existing conditions, that is no longer insurance and lots of folks will just not get insurance until they have to get insurnace (i.e., they get sick and have a pre-exising condition).”
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I agree with YOU! Newbie “clagwell” isn’t impressing me with his knowledge of health insurance, despite his claim of 30 years of experience. I worked for Blue Cross for many years myself, much of the time in Legal —
I’ve seen it all —
Allowing pre-existing conditions and allowing ‘kids’ (HA!) to stay on parent’s policy until age 26 are NOT good ideas!
As I said it is a very complicated problem. Yes PE will cost more but I also said we need to get more of the younger healthier people on the negate the effects. Right now we are going through "adverse selection"-as the rates increase each year the younger healthier people drop off. I admit I have not been able to fully expand into each area but I'm answering the phones at the same time.
Oh and one thing I have learned 29 years and 364 days ago is never believe what an insurance company says as gospel.