Tag Archives: pre-existing conditions

Ten Small-Scale Reforms For Pre-existing (Chronic) Conditions

Instead of more political meddling in insurance markets like guaranteed issue and community rating, the following free-market-oriented reforms would help alleviate the problems with pre-existing conditions.  From John Goodman at the Health Affairs Blog: Encourage Portable Insurance. Allow Special Health … Continue reading

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ObamaCare’s high-risk pools may deny coverage

This week the Denver Business Journal and the Denver Post reported on Colorado’s new federally subsidizes high-risk pools (“GettingUSCovered”). But there’s a good reason to be concerned about quality and access. The Hill reports: The Obama administration has not ruled … Continue reading

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Get ready for health insurance slumlords

My latest article at Pajamas Media begins: If you dislike your health insurer now, just wait until politicians impose price controls that make your insurer act like a slumlord. Expect worse customer service, skimpier plans, and more claim denials. Price … Continue reading

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Republicans, beware the trap of ‘limited’ health reform

Writes Paul Hsieh, M.D. in Pajamas Media: Controls breed more controls. The seemingly innocuous “reform” of requiring insurers to cover all pre-existing conditions would merely set the stage for ever-tightening controls until liberal Democrats achieved their long-held dream of a … Continue reading

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One more victim of Medicaid and employer-based insurance

John R. Graham of the Pacific Research Institute offers a great critique of Nicholas D. Kristof’s recent New York Times column.  Kristof relates a distressing story about a John Brodniak, who lost his job due to illness, exhausted his COBRA … Continue reading

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Health reform bill and preexisting conditions

Section 211-213 of HR 3962 basically says that insurance companies must offer coverage (guaranteed issue) and charge the same premium (community rating) to everyone regardless of their medical history.  The November 8  Daily Camera (Boulder, CO) printed my brief opposition … Continue reading

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Free-market insurance and pre-existing conditions

Paul Hsieh, MD has written a review of how a free market in medical insurance would address customer concerns about how changes in health status can effect premiums and insurability.   He of course mentions health status insurance as an example. … Continue reading

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Insurance industry volunteers to become government contractor

From the Associated Press: The health insurance industry offered Tuesday for the first time to curb its controversial practice of charging higher premiums to people with a history of medical problems. The offer from America’s Health Insurance Plans and the … Continue reading

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Health-status insurance and becoming uninsurable – a review

As I noted recently, health-status insurance could be a free-market solution to making sure you’ll have medical insurance when you need it, even if you get sick.  Ronald Bailey provides a good review of John Cochrane’s policy analysis here at … Continue reading

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How health-status insurance addresses pre-existing conditions problem

I cannot remember wanting to cheer and applaud after reading a policy analysis.  But this is how pleased I was with a new Cato Institute Policy Analysis by University of Chicago finance professor John H. Cochrane: Health-Status Insurance: How Markets … Continue reading

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