Fifty-four million Americans aged between 19 and 64 are said to have an ongoing medical condition that warrants as a “potentially declinable” illness or ailment. That is quite the number, and it forces us to think about the dilemma all these people would face if the current health care legislation shifts or transitions for worse.
Stokkete/Shutterstock: Healthcare
The figures for this susceptible report were prepared by the non-profit Kaiser Family Foundation (KFF).
The US health care sector could go back to a scheme where policyholders can compensate for higher rates for preceding conditions. The reasons for such a turn-back are the novel transitions in the tax system, increased premium tariff, countless cases of health insurance scams, and legislative changes to the Affordable Care Act (ACA).
Still, some people could be rejected by inclusion ultimately. MoneyGeek stated the figures on the KFF report and wrapped up that 12.5 million Americans with “potentially declinable” disorders would be affected by policy adjustments.
Although such a policy would impact the entire nation, some states would be hit the hardest, like Texas and Florida having more than 4.7 and 3.5 million citizens, respectively, suffering from existing declinable illnesses. Many other states will also be struck hard, and you should know whether your state is included or not. Here are the places at risk:
- Georgia
- North Carolina
- Tennessee
- Missouri
- Alabama
- South Carolina
- Oklahoma
- Louisiana
- Mississippi
- Arkansas
- Idaho
- Nebraska
- South Dakota
All these states have a population proportion of 6.8%—9.9% suffering from existent conditions. Not only that, but the number of residents at risk is also much higher than anticipated, and that includes both directly insured and uninsured people.
Pixabay: A policy change affecting millions of people
Now the big question is, what are these “potentially declinable illnesses” that might leave you miserable if you are diagnosed with one. The most important ones that you should worry about and consider getting insured for include cancer, diabetes, lupus, asthma, and epilepsy.
Other conditions aren’t as severe, but still pose a threat to your health. These illnesses are
- Sleep Apnoea
- Depression
- Chronic Acne
- Anxiety
Is Pregnancy Considered A “Pre-Existing Condition?”
Pixabay: Pregnancy is covered even if you buy a plan later
You could not be rejected indemnity/coverage if you had gotten pregnant before you had enrolled on an insurance plan. Your insurer is thereby responsible for granting full coverage. This coverage for pregnancy and delivery becomes your legal right from the moment you sign up for it, and you have all the freedom in the world to fight for it!
