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Millions Of Americans Struggle For Insurance With Pre Existing Conditions
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Just as Republicans begin their attempt to overturn the health care bill, a new study released by the Department of Health and Human Services reports that 129 million Americans are fighting to get health insurance with pre existing conditions.
What is a pre existing condition? That depends on which insurance company you ask. It can be something as serious as heart disease or cancer, as normal as a pregnancy, or as seemingly innocuous as a recurring sinus infection.
Qualifying for health insurance with pre existing conditions can be difficult if not impossible. For lesser conditions buyers may simply face higher premiums and other costs. But for those who are seriously ill, or for pregnant women, insurance companies will not offer coverage.
This is because those who are sick or pregnant usually represent a loss in terms of capital. There's just no way that someone can pay monthly premiums that will compensate for the cost that the insurance company would have to absorb for treatment.
Of the 50 million Americans who don't have medical coverage right now, high costs are cited as the number one reason. The Department of Health and Human Services is hoping that by revealing this information the American public will be less likely to overturn the health care bill, which makes it illegal to deny adults and children who are trying to get insurance with pre existing conditions.
This mandate would be made affordable for insurance companies because all Americans would be required to purchase some form of coverage, boosting their client base and compensating for their coverage of sick individuals.
In order to make the mandate feasible, the Federal Government would also make it illegal to overcharge for coverage, and establish state-run insurance exchanges to offer competition.
However, many Americans aren't pleased with the mandate that requires they purchase medical coverage. That, along with concerns regarding the costs of the health care bill have led to a bitter divide over whether or not to keep the bill as it is.
The majority of the bill's legislation is set to begin in 2014, but whether or not the bill will survive that long is still up in the air.
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