Question

Congressman Brown supports pre-existing conditions protections introduced by the Affordable Care Act. These protections force insurers to cover health problems arising from pre-existing conditions, and forbid them from charging people with such health conditions higher prices for insurance. However he opposes the subsidies since they are too costly for the government. He supports repealing the ACA and re- introducing pre-existing condition protection using new legislation. What do you think might happen if he was successful?

Answer 1

Health insurance providers can't deny benefits or bill extra for pre-existing illnesses underneath the Affordable Care Act. If you have a pre-existing disability, you will also purchase life insurance from certain providers, but your premiums will be greater and your disability payments will be smaller.

If he is good, the exemption for policies will be eliminated, as well as the extra amount that insurers may have been entitled to charge from policyholders. This might be very useful to both the government and the policyholders.