In the new version of the American Health Care Act (AHCA), the Republican bill to replace the Obama-era Affordable Care Act (ACA), one of the major points dividing the GOP conference was the treatment of pre-existing conditions. The guarantee of health care coverage to people with pre-existing conditions has been one of the ACA's most popular features. Under the law, insurance companies cannot refuse to cover those with pre-existing conditions, that is, health issues that pre-date a new health insurance coverage. Insurers also can't charge more or refuse to pay for Obamacare "essential benefits" for any pre-existing condition. And, once enrolled in a plan, insurers can't deny such patients coverage or raise rates based solely on their health. The new GOP plan requires insurers to cover pre-existing conditions, and for those with continuous health care coverage, nothing will change. There are some caveats, though. Insurers would be able to charge more to people with gaps in their insurance coverage. And a recent change, the MacArthur amendment, would allow states to waive some of the Obamacare requirements, including one that's relevant to pre-existing conditions. States that are granted such a waiver would allow insurers to set premiums based on health status … Continue reading
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