Employees Start to Feel the Squeeze of High-Deductible Health Plans

Re:Employees Start to Feel the Squeeze of High-Deductible He... by Someone1234 on Friday May 03, 2019 @01:25PM (#19820328)

I know someone who pre-ACA had employer insurance who was dropped by that insurance after they got skin cancer. The official reason was lying during the application process (10+ years earlier).

They forgot to list childhood Asthma on their application form ten years earlier.

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Re:Employees Start to Feel the Squeeze of High-Deductible He... by mrosett on Friday May 03, 2019 @02:27PM (#19820953)

Would the ACA prevent that kind of scam? I genuinely don't know.

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Re:Employees Start to Feel the Squeeze of High-Deductible He... by WalterSear on Friday May 03, 2019 @02:47PM (#19821141)

The incentive is gone, since preexisting conditions are no longer a disqualification.

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Re:Employees Start to Feel the Squeeze of High-Deductible He... by dsfyu404ed on Friday May 03, 2019 @03:22PM (#19821430)

The incentive is still very much there. You just can't use a preexisting condition as your excuse anymore.

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Re:Employees Start to Feel the Squeeze of High-Deductible He... by WalterSear on Friday May 03, 2019 @06:45PM (#19822925)

I would argue that the incentive was implicit and fundamental to the nature of the business, because it provided agents with a method to pick and choose their clients.

By inducing lapses in insurance coverage, insurance companies were able to convert illnesses under active treatment into preexisting conditions.

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Re:Employees Start to Feel the Squeeze of High-Deductible He... by Someone1234 on Friday May 03, 2019 @03:18PM (#19821397)

You aren't required to complete an application form when you sign up anymore, so they don't even ask you medical questions.

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