Quote:
Originally Posted by asianthree
Pre exist has never gone away, it’s just worded differently. Usually becomes your deductible, that they don’t pay for
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This is not accurate. The insurance carriers are no longer able to ask or collect data on your pre-existing conditions. The deductible is identical for every person who shares a similar policy with no regard to whether they are ill or well. The same is true of the copays required of a policy. This is exactly how Medicare works. All covered persons have the same language in the policy if they get one the same as their neighbor.
This was a major shift in how medical insurance has been sold and is one of the features of the ACA which is now being challenged in the SCOTUS by several states with the support of the administration in office. The brief filed asks that all the provisions of the ACA be declared unconstitutional. This is explicitly stated on page 45 of the brief filed by the administration
Trump Admin Brief California v. Texas | Patient Protection And Affordable Care Act | United States Government
If the administration's view is accepted by the Supreme Court we will be back to insurance companies having the option of charging more for coverage of older people, sick people, women, throwing children off their parents' policy at age 18 or 21 or whatever they select, lifetime limits, and all the other protections that exist now only because of the ACA.