Reply to If you SAH and spouse dies what is your plan for health insurance?

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[quote=Anonymous][quote=Anonymous]The preexisting condition portion of the Affordable Care Act was scheduled to kick in in 2014. In the meantime, a PP posted the link for the government-run high risk insurance pool. We will see what the Court decides either this Monday or the following Monday. I have to say, based on oral arguments, it's not looking good. I hope that the high-risk option they started will continue to exist -- it wasn't perfect but it was decent coverage at an affordable price. You only have to have been turned down for private insurance by one company to be eligible.

[/quote]

It isn't looking good for Obamacare.  If you listened to the oral arguments, you can have your choice between (1) the Solicitor is incompetent; or (2) the Solicitor had no good arguments because there really aren't any that stand up to more than the negligible scrutiny than the bill was given before it was signed into law.

The reason complete, no questions asked coverage of preexisting conditions is likely to fall with the mandate is because the mandate that forces healthy people to buy insurance is what pays for the coverage for the sick people.  If there were no mandate, many, many people would simply not bother to have health insurance until they needed it.  Why would you, if you could simply get coverage after you get sick for the same price you'd pay if you were healthy? The "pool" of sick people would be increasingly expensive to insure, and the healthier people would drop out, making it more expensive (per patient), and the spiral would continue.

The pools do seem to be at least part of the answer, and they are likely to continue, as many states had them before Obamacare was enacted.  [/quote]

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