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Pre-existing Condition Exclusions Could Make a Comeback

If challenges to the Affordable Care Act (ACA) prevail, an estimated one-fourth of Americans under age 65 could be uninsurable on the individual market at any price.
July 3, 2018

If challenges to the Affordable Care Act (ACA) prevail, an estimated one-fourth of Americans under age 65 could be uninsurable on the individual market at any price due to pre-existing conditions. Even more people could be affected, as anyone with a history of depression, an old smoking habit, or a chronic condition could face significantly higher premiums or face trouble obtaining coverage if they move from a big employer to a small employer, lose their job, or retire before obtaining Medicare coverage at age 65.

Experts say that if a Texas-based lawsuit filed by 20 Republican attorneys general succeeds, the chasm between the sick and healthy would return. The U.S. Justice Department is supporting the portion of the suit opposing required coverage for those with preexisting conditions. “It’s that concept of freedom and access to coverage — no matter who you work for or where you are — that is under fire,” said Pennsylvania Insurance Commissioner Jessica Altman.

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