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- Oct 18, 2011
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Insurance carriers have already warned that premiums will skyrocket if the pre-existing conditions part in any way remains, about which the individual mandate is really powerless to offset.Actually, it's more than that. The other wonderful thing about Obamacare is that insurance carriers will no longer be able to exclude individuals based on pre-existing conditions. This is a Godsend to millions of people.
In group insurance, those covered by their employers, the group is not allowed to exclude covering an employee because of pre-existing conditions. It's been that way forever. And everyone employed by a company with a group policy must be enrolled. That's why most people don't understand what the problem is -- most people get group health insurance.
The other poor saps who lose their jobs, try to go in business for themselves, or retire early are left out in the cold when they are denied coverage based on pre-existing conditions or those pre-existing conditions are excluded.
The individual mandate is absolutely essential. Without it, insurance premiums will skyrocket.
All of the Obamacare nightmare tenets do not counterbalance the pre-existing condition value, a value which should have been a separate non-pork issue on its own, complete with associated cost-rise protection.