Before Obamacare, you couldn’t get insurance if you had any of these conditions

Kaiser compiled an interesting list of conditions — pre-existing conditions — that could get you denied for health insurance before passage of Obamacare, aka the Affordable Care Act.

AIDS, Alzheimer’s, cancer, heart disease, Crohn’s disease, diabetes, MS, being transgender, and even being an expectant parent.

All of those could be cause for denial when applying for insurance.

But even that list, posted below, understates just how bad it was, and just how bad it will be if the Republican health care plan passes. Before Obamacare, they would routinely turn people down for having hayfever. If you could get turned down for insurance for simply having allergies, imagine what else could get you turned down.

Here’s Kaiser’s partial, but certainly not comprehensive, list of conditions that would cost you your insurance before Obamacare. Do you know anyone with any of these conditions?

Under the GOP bill, there will no longer be any constraints on what they can charge you for your pre-existing condition. Under Obamacare, you pay the same premium that everyone else your age, in your geographic area, pays. Under the GOP plan, if you have allergies, they’re going to throw you into a special “pool” of “sick” people who will pay an ungodly price for insurance that will probably have a super-high deductible.

I remember a good friend in the days before Obamacare, who had some blood clots in one eye. He had some exams and they put him on blood thinners. When he moved to another state, he had to get new insurance, and they raised his premium from $400 to $1,200 because of his eye. Yes, before Obamacare they could literally triple your premiums if you got sick and had to get a new policy, because you moved or lost your job or got divorced and lost your spouse’s coverage.

That’s what Paul Ryan, Donald Trump and the Republicans have in store for you with their Obamacare repeal. (Watch Jimmy Kimmel’s tearful story about his newborn son’s pre-existing heart condition.)

Finally, it’s not just pre-existing conditions. If you’re age 50-64, and otherwise healthy, the Republican plan will let insurers raise your premiums by 66%.

And the GOP plan will let insurers opt-out of coverage for things like pregnancy, prescription drugs and emergency care, among other things.

Their plan is heartless and evil.

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Follow me on Twitter: @aravosis | @americablog | @americabloggay | Facebook | Instagram | Google+ | LinkedIn. John Aravosis is the Executive Editor of AMERICAblog, which he founded in 2004. He has a joint law degree (JD) and masters in Foreign Service from Georgetown; and has worked in the US Senate, World Bank, Children's Defense Fund, the United Nations Development Programme, and as a stringer for the Economist. He is a frequent TV pundit, having appeared on the O'Reilly Factor, Hardball, World News Tonight, Nightline, AM Joy & Reliable Sources, among others. John lives in Washington, DC. .

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5 Responses to “Before Obamacare, you couldn’t get insurance if you had any of these conditions”

  1. Bill_Perdue says:

    Another set of excellent reasons for promoting socialized medicine instead of insurance conglomerate scams like Obamacare, Trumpcare, Hillarycare, Romneycare and Heritagecare.

    They’re all the same thing – a way to make insurance companies richer at the expense of the working class. Democrats suffered a series of humiliating losses because they’re an anti-working class party. Now it’s the Republicans. Good and good.

  2. Niblet58 says:

    The ACA has cut medical bankruptcies in half.
    This means getting rid of it will have HUGE repercussions in every area of the economy. People will not pay their bills, they will lose their homes, they will be forced to cut spending… all of this will trash the economy in ways the idiots on the right have not taken into account.
    Use the argument of $$$$ and you may win some of the idiots over.

  3. Mike_in_the_Tundra says:

    Heartless and evil? Of course, it’s from the GOP isn’t it? Since I’ve been diabetic since I was eleven, it’s a good thing that I was covered by employer insurance.

  4. Jude Brown says:

    I was taking a $20 a month anti-depressant, and hadn’t been hospitalized or had surgery since 1958.

    But was 46.


  5. BeccaM says:

    List doesn’t include migraines, the 2nd reason I was turned down for most of a decade. But yes, I can confirm the seasonal allergies exclusion because that was the other reason. Other reasons I’ve learned over the last year or so, as the Republicans keep wanting to go back to allowing preexisting condition denials or sky-high premiums (usually with “we won’t cover that” condition denials tacked on):

    – Donated a kidney, lung, or section of liver to save another person’s life
    – Any and all surgical implants, whether medically necessary or cosmetic
    – Any and all chronic skin conditions, including acne if treatment was sought, but also eczema, psoriasis
    – Severe PMS requiring treatment
    – Uterine fibroids
    – Hypo/hyper thyroidism
    – Any chronic hormonal issue
    – Any evidence of BRCA1, BRCA2, and PALB2 genetic defect (increased chances of breast or ovarian cancer)
    – Any condition at birth which required surgical intervention
    – Autism
    – Anorexia or bulimia, or any other eating disorder
    – Food allergies severe enough to require treatment (i.e., have to carry epi-pen)
    – Hypertension (high blood pressure)
    – GERD or chronic acid-reflux

    Anyway, you get the idea: What it came down to was health insurance companies basically were willing to deal with accidents and injuries (but only up to a certain point, which ended whenever the damage was severe or permanent) and treatable diseases and infections. If you had anything at all which could be classified as a chronic or recurring condition, they did not want you, period.

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