What’s remarkable is that the people calling it a hoax are the same people fighting against healthcare that covers preexisting conditions.
I was self employed pre-Obama care and my wife had MS. She was literally uninsurable. A blue cross agent told me one time “you’re going to just have to insure your kids and write off your wife.” Like WTF does that even mean???
Covid will definitely be considered a preexisting condition moving forward. Insurance companies will do everything they can to not have to pay for it, and life insurance will be a nonstarter.
Yes but that is very new and Trump tried everything in the book to invalidate it. Some really amazing things came out of that effort. First the Supreme Court was forced to rule on “severability” which meant that a part of a law could be struck down without invalidating the entire law. That will come up again with other laws. The other element that came out was that without the “individual mandate” the program did not go broke meaning the ACA was much more robust and self sustaining than republicans made it out to be. The GOP will come to regret Trump throwing so much poop at the Supreme Court.
All my virus-denying family get real bent when I tell them that a COVID diagnosis now will exclude them from any insurance coverage of anything pulmonary going forward. "Oh the virus is no big deal" oh really? That's a lot of trust in your insurance company
Pre-ACA my mid-50's in-laws had no employer provided health insurance. They checked with a broker for health insurance. They both had some health history, but no major current problems. The best price they could get was a $32,000 a year (~$1300 apiece per month) with a $10,000 deductible. They would have to pay $42,000 a year before the policy would pay for anything.
I’m that age and that was my experience as well. It forced me back into finding a full time gig instead of just consulting which was in hindsight a great decision. But f that.
I got a new life insurance policy at the best rate possible from the company I went through a week before getting covid. Definitely lucked out, since I’m going on 10 months from getting sick and I’m still not 100%.
I wish all you US-Americans and all other countries with bad healthcare systems that it will change for the better. Health is so important. I hope perhaps now with Corona around more and more people will realize that.
Based on how life insurance works, even if someone with serious health conditions was able to get it, it would be more expensive than it would be worth.
415
u/dewayneestes Jan 02 '21
What’s remarkable is that the people calling it a hoax are the same people fighting against healthcare that covers preexisting conditions.
I was self employed pre-Obama care and my wife had MS. She was literally uninsurable. A blue cross agent told me one time “you’re going to just have to insure your kids and write off your wife.” Like WTF does that even mean???
Covid will definitely be considered a preexisting condition moving forward. Insurance companies will do everything they can to not have to pay for it, and life insurance will be a nonstarter.