Friday, April 12, 2013

Obamacare (6) – no one is ever turned down for insurance!


Come one, come all. At Uncle Barack's health insurance emporium, everyone is accepted!
Bad credit, no credit?
No problem!
Bankruptcy, unemployed, or just plain out of money?
No problem!
One foot in the grave?
No problem!
We won't turn you down!
Easy payments, easy credit terms. Guaranteed.
You may have heard stories that people will game Obamacare, and enroll only when they need mucho medical care costing mucho buck$. You probably thought that stories that no one will be denied insurance even if they are gravely ill, were mere fantasy and exaggeration.
Au contraire, mon ami.
Here is the proof:
‘‘SEC. 2705 [42 U.S.C. 300gg–4]. PROHIBITING DISCRIMINATION AGAINST INDIVIDUAL PARTICIPANTS AND BENEFICIARIES BASED ON HEALTH STATUS.
‘‘(a) IN GENERAL.—A group health plan and a health insurance issuer offering group or individual health insurance coverage may not establish rules for eligibility (including continued eligibility) of any individual to enroll under the terms of the plan or coverage based on any of the following health status-related factors in relation to the individual or a dependent of the individual:
‘‘(1) Health status.
‘‘(2) Medical condition (including both physical and mental illnesses).
‘‘(3) Claims experience.
‘‘(4) Receipt of health care.
‘‘(5) Medical history.
‘‘(6) Genetic information.
‘‘(7) Evidence of insurability (including conditions arising out of acts of domestic violence).
‘‘(8) Disability.
‘‘(9) Any other health status-related factor determined appropriate by the Secretary.

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