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Can state laws protect those with pre-existing conditions from being denied health insurance, should ACA be eliminated?  ?

I buy my own health insurance, have an individual plan and pay in full without government assistance and have a pre-existing condition. I live in California which has state laws protecting individuals from being denied health insurance should they have pre-existing conditions.

But wondering a couple things should ACA be eliminated:

1) Will I still have protection regarding denial of coverage through the state laws?

2) Is so, are there state provisions ensuring non-discriminatory practices? Specifically, will those with and without pre-existing conditions be charged the same rates and provided the same coverage for the same plan?

3 Answers

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  • Anonymous
    7 days ago

    Most states don't have laws like that.

    In California, before the ACA, a person with preexisting conditions often had to pay over $2000 a month for health insurance.  You could buy a new car every year for that kind of money.

  • Anonymous
    6 months ago

    The biggest issue is the cost of health care regardless of how it is paid for. It is an end-to-end system of excessive money and overhead totally about $4 trillion a year or about 18% of GDP. 

    https://www.businessinsider.com/personal-finance/c...

    It's also full of unnecessary tests and medical fraud. Pre-existing condition issue is only one piece. Every major country has universal health care, and ACA is the USA's. There would need to be allocation of expensive services. This pandemic has killed 1 in 1000 black people, and part of that issue is insufficient health care access in general. Profiteering, costs to become a doctor, administrative overhead, marketing of medicines, fraud and bill padding, malpractice awards, excessive certifications of primary care, and more.Equal coverage of pre-existing conditions just spreads those costs around differently.

    Median household income in the USA is about $60K.

    At 3/household and $10K per person in cost, if a family pays all their own it takes half their money by this simple calc, even if not accurate, it's still a large chunk.

  • 6 months ago

    Most states don't have laws like that.

    In California, before the ACA, a person with preexisting conditions often had to pay over $2000 a month for health insurance.  You could buy a new car every year for that kind of money.

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