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Got A Pre Existing Condition? Why You Should Worry

Got a Pre-Existing Condition? Why You Should Worry

People with pre-existing medical conditions, such as heart disease or diabetes, will be taken care of under the replacement plan for Obamacare, President Trump has promised.

But that plan, called the American Health Care Act, which passed the House of Representatives earlier this month, could strand people who have pre-existing conditions with health insurance that has high premiums and skimpy coverage.

That’s on top of the higher premiums and deductibles that the law would create for everybody buying insurance on their own.

Here’s how that would work.

1. Insurance companies would still have to sell coverage to sick people, but they could charge very high premiums for it. Under the AHCA, insurance companies could go back to the pre-Obamacare practice of underwriting premiums, meaning they could charge people different amounts depending on their health history. That would mean low premiums for healthy people and high premiums for people with pre-existing conditions.

There would be no limit on how much they could jack up premiums for people with expensive conditions and it would be up to the insurance companies to decide what pre-existing conditions they don’t like. This would be especially painful because the AHCA also reduces the government subsidies that help lower-income people pay for health insurance.

The AHCA gives sick people a theoretical out: It says that if you don’t let your insurance lapse, you can stay in the “community rated” risk pool, where…

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