Having a preexisting condition will automatically disqualify people from many health plans. Insurance companies simply cannot afford to take on the increased risk. This means the very people who need health insurance the most are having the most difficulty obtaining coverage.
In many cases those who have preexisting conditions can get health insurance but their conditions and any illnesses related to their conditions won’t be covered by their health insurance providers. In other cases, those with preexisting conditions can get health insurance but their conditions won’t be covered until after a specified period of time, such as six or 12 months.
Then we have to consider those who are born with a predisposition to certain diseases. Because they are more susceptible to these illnesses, and thus represent a higher risk to health companies, they cannot obtain proper health insurance coverage. This is just truly unfortunate.
But there is hope. The Genetic Information Nondiscrimination Act of 2007 aims to make obtaining health insurance easier for those with preexisting conditions. Employers can no longer deny employment to anyone because of their genetic predisposition. Health insurance companies can no longer refuse coverage to those with genetic predispositions to disease.
Yes, it is difficult and expensive for health insurance companies and the government to insure those with the most medical needs. But these are the ones who need the best care but often resort to the worst care. This should not be.
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