{"id":133408,"date":"2017-05-06T09:26:50","date_gmt":"2017-05-06T15:26:50","guid":{"rendered":"http:\/\/hill-kleerup.org\/blog\/2017\/05\/06\/pre-aca-pre-existing-conditions.html"},"modified":"2017-05-06T09:26:50","modified_gmt":"2017-05-06T15:26:50","slug":"pre-aca-pre-existing-conditions","status":"publish","type":"post","link":"https:\/\/hill-kleerup.org\/blog\/2017\/05\/06\/pre-aca-pre-existing-conditions.html","title":{"rendered":"Pre-ACA Pre-Existing Conditions"},"content":{"rendered":"

The AHCA doesn't actually define (or limit) pre-existing conditions that states can opt out of. The list below was gleaned from lists of pre-existing conditions used before<\/i> the ACA was passed to exclude folk from getting insurance, shuffling them into a (limited space, high-premium) high risk pool, jacking up premiums out of the affordable range, placing arbitrary caps on annual care, etc.<\/p>\n

Up to a quarter to a third of the non-elderly population can be tagged with one of these.<\/p>\n

Now, nothing in the AHCA says that states must<\/i> allow insurance companies to treat folk with pre-existing conditions as profit centers or pariahs, only that they can.<\/i> And some almost certainly will<\/i> (under the GOP banner of FREEDOM! and the like). <\/p>\n

And, as, +<\/span>John E. Bredehoft<\/a><\/span> notes[1], employers, too, will be under significant economic and shareholder pressure to reduce insurance costs by throwing these folk under the bus. And as the Brookings Institution has analyzed the AHCA[2], any<\/i> states dropping this protection (FREEDOM!) means that employees in all<\/i> states are suddenly at risk.<\/p>\n

But, hey, the GOP House is raising beers and congratulating themselves for finally getting something passed. Just remember that in a year in a half.<\/p>\n

——<\/p>\n

[1] https:\/\/plus.google.com\/u\/0\/+JohnEBredehoft\/posts\/JscPBC5Vfxi<\/a>
[2] https:\/\/www.brookings.edu\/2017\/05\/02\/allowing-states-to-define-essential-health-benefits-could-weaken-aca-protections-against-catastrophic-costs-for-people-with-employer-coverage-nationwide\/<\/a><\/p>\n

Originally shared by +Marla Caldwell<\/a>:<\/span><\/p>\n

\n

Here's a list of "declinable conditions" from an insurance company<\/b> prior to the ACA. It serves as an approximation of what conditions or situations may cause people to be declined for coverage under the AHCA, if it becomes law. <\/p>\n

According to health think tank the Kaiser Family Foundation, between one quarter (1\/4) and one third (1\/3) of the non-elderly residents of each state have declinable conditions¹. Also according to the KFF, about 52 million Americans have such conditions². The number commonly suggested today as those who may be losing insurance was 24 million. That may be a gross underestimate.<\/b> <\/p>\n

¹http:\/\/kff.org\/health-reform\/issue-brief\/pre-existing-conditions-and-medical-underwriting-in-the-individual-insurance-market-prior-to-the-aca\/<\/a><\/p>\n

²http:\/\/kff.org\/health-reform\/press-release\/an-estimated-52-million-adults-have-pre-existing-conditions-that-would-make-them-uninsurable-pre-obamacare\/<\/a><\/p><\/blockquote>\n

<\/a><\/div>\n
\n<\/a>\u00a0\n<\/div>\n

<\/p>\n

In Album 5\/5\/17<\/a><\/p>\n

View on Google+<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The AHCA doesn't actually define (or limit) pre-existing conditions that states can opt out of. The list below was gleaned from lists of pre-existing conditions used before the ACA was passed to exclude folk from getting insurance, shuffling them into a (limited space, high-premium) high risk pool, jacking up premiums out of the affordable range, … Continue reading “Pre-ACA Pre-Existing Conditions”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":133409,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[106],"tags":[],"class_list":["post-133408","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-plusposts"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2017\/05\/17+-+1imgmax=660.jpg","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":133151,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/03\/24\/does-the-ahca-defeat-signal-that-the-health-insurance-debate-is-settled.html","url_meta":{"origin":133408,"position":0},"title":"Does the AHCA defeat signal that the Health Insurance debate is settled?","author":"***Dave","date":"Fri 24-Mar-17 11:42pm","format":false,"excerpt":"Or, put another way, has the Overton Window[1] on public discourse around how health care is made accessible in this country solidly moved further to the \"left\" than it was a decade ago? While there are certainly hard-core folk in Congress who balk at the very idea of the federal\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2017\/03\/obamacare-cartoon-2-a5B15D.jpgimgmax%3D660.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":133394,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/05\/03\/the-republicans-throw-money-at-the-ahca-pre-existing-condition-problem.html","url_meta":{"origin":133408,"position":1},"title":"The Republicans throw money at the AHCA pre-existing condition problem","author":"***Dave","date":"Wed 3-May-17 12:43pm","format":false,"excerpt":"No, really, this is what the \"Big Amendment\" that will flip a couple of anti-AHCA GOP Reps over to the pro- side is all about. They're quite aware that the AHCA lets states opt out of whatever the heck they want, including pre-existing condition provisions, if they claim that it\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":133395,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/05\/03\/the-ahca-affects-not-just-individual-buyers-but-employee-health-plans-too.html","url_meta":{"origin":133408,"position":2},"title":"The AHCA affects not just individual buyers, but employee health plans, too","author":"***Dave","date":"Wed 3-May-17 2:52pm","format":false,"excerpt":"Looking at the currently proposed state \"opt out\" provisions in the Republican health insurance reform, the Brookings Institution finds that it not only impacts individual insurance purchasers, but could have a significant impact on employer-provided health insurance as well, as employers and\/or health insurance companies seize on the \"least common\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":133348,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/04\/26\/meanwhile-back-at-the-health-insurance-reform-brouhaha.html","url_meta":{"origin":133408,"position":3},"title":"Meanwhile, back at the Health Insurance Reform brouhaha","author":"***Dave","date":"Wed 26-Apr-17 7:48am","format":false,"excerpt":"House GOP folk are floating a major amendment to the AHCA they failed to get passed a few weeks back. That bill failed in the House (or would have, if it had come up for a vote) because the ultra-conservative GOP representatives abhor any federal intervention in health insurance on\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":138548,"url":"https:\/\/hill-kleerup.org\/blog\/2019\/04\/03\/the-enduring-fantasy-of-trumps-bestest-ever-beautiful-gop-health-care-plan.html","url_meta":{"origin":133408,"position":4},"title":"The Enduring Fantasy of Trump’s Bestest Ever Beautiful GOP Health Care Plan","author":"***Dave","date":"Wed 3-Apr-19 8:26pm","format":false,"excerpt":"Trump keeps magically saying he can give everyone better, cheaper, more-inclusive insurance. But he never shares the details.","rel":"","context":"In "Elections 2016"","block_context":{"text":"Elections 2016","link":"https:\/\/hill-kleerup.org\/blog\/category\/politics-law\/elections-2016"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2019\/04\/trump-2019-03.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2019\/04\/trump-2019-03.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2019\/04\/trump-2019-03.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2019\/04\/trump-2019-03.png?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":133809,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/07\/06\/winning-friends-and-influencing-legislation-ted-cruz-edition.html","url_meta":{"origin":133408,"position":5},"title":"Winning Friends and Influencing Legislation (Ted Cruz Edition)","author":"***Dave","date":"Thu 6-Jul-17 5:09pm","format":false,"excerpt":"On the surface, this looks like vintage Cruz -- throwing a monkey wrench into the proceedings so he can score points amongst his followers (doubtless with an eye on a future run at the White House). There's a reason why Cruz is notoriously unpopular in the Senate, and these kind\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/133408","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/comments?post=133408"}],"version-history":[{"count":0,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/133408\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/media\/133409"}],"wp:attachment":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/media?parent=133408"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/categories?post=133408"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/tags?post=133408"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}