#preexisting conditions

[pandemic-info]

Vance is advocating a partial or complete return to the system that existed before Obamacare. In that world, prior to 2014, it was very difficult to find affordable coverage unless you were on Medicare, Medicaid, or got insurance through your employer. There was a market for individual insurance, and it was possible to buy plans if you didn’t get coverage through a government plan or through work. But that market was dominated by “adverse selection” — the only way insurers could make money was to weed out any customers likely to need medical care.

Cheap plans could be sold to people who were young and healthy. Oftentimes, those plans denied coverage for any preexisting condition, or had hidden limits on the amount the insurer would have to pay, so if you got very sick, you would discover you faced ruinous costs not covered by your insurance.

Obamacare turned that dysfunctional individual market into a market that offered affordable plans even for people who aren’t young and healthy. It did this by restricting the degree to which insurers can charge higher rates based on age (they can only make older customers pay a maximum of three times the rate they charge young customers). More importantly, it prevented insurers from screening out customers with a preexisting condition or denying coverage for necessary procedures.

Those regulations do have costs. They prevent insurers from cherry-picking young and healthy customers with cheap bare-bones plans — which means young and healthy people might pay more than they did before Obamacare. But it also means the individual insurance market actually makes coverage and medical care available to people who need it.

...

What [Vance] doesn’t tell the audience is that allowing insurers to give cheaper plans to the young and healthy means letting them charge more — much, much more — to people who aren’t young and healthy. Perhaps some people have a member of their family who has an expensive medical condition. Those people would be unable to obtain decent coverage, as was the case before Obamacare.

If you care about your own health or that of your loved ones, about science, fact and integrity — vote Harris.

[s-leary]

Childbirth was also a pre-existing condition.

One thing the analysts back in 2012 were right about is that they’d stop calling it “Obamacare” the second it started working and lo and behold anytime it was actually threatened under Trump it became The ACA and now Leftists who were in Kindergarten when the ACA was passed think Democrats have added nothing to this country.

[leaveharmony]

[flayd]

HELLRAISER - 1987 - dir. clive barker

[lady-raziel]

to bother jd Vance I think we should extend obamacare to cats (and dogs)

[periodicavocation]

this ot is literally crack

[gil-estel]

I should total up all the money I've spent on hazel this month so that people can have an idea of how much it costs to adopt a pet 😭

[shootingstarpilot]

fuck me with a rusty rake, i guess

[highlyillogicalandroid]

I'm never going to financially recover from this.

But seriously. A vet visit for two sick cats, totaling $671, and my pet insurance reimbursed...$35. I pay $25 a month for this!!! What is the point???

Anyway, I truly hate to ask, but if anyone would like to help me pay this off, I would be eternally grateful. I'll even write you a little fic of your choosing as a thank-you. Just message me and ask <3

[scribesynnox]

I finished reading Victory Conditions by astolat on ao3 and I will never recover. That fic has fuckin’ rewired my brain. It has rocked my world view. It is a core memory now. I will never be the same.

[elipoms]

HRT EVALUATION APPOINTMENT IN 1 HOUR PLEASE WISH ME LUCK

[piedoesnotequalpi]

...and, here come the freezing cold takes from the people I know who know approximately nothing about how government works/what laws have been passed in the last 20 years 😮‍💨

[lycanthropomorphic]

goodnight say it back

[wharfspider]

Definitely not Vulture’s intention, but this is honestly a perfect way to introduce his new gang to Spider-Man. “Yes, it’s like this all the time with him. Yes, even if you drug him first. No, your health insurance will not cover a ‘Spider-Incident.’ Please prepare accordingly.”

[clockworkbee]

That’s what love is. It’s hoping that, if given the choice, all the worst things will happen to you instead of the person you love. So, if she loves you, then she will choose your happiness. It is just how love goes.

—Preexisting Condition | Januaries: Stories of Love, Magic & Betrayal, by Olivie Blake

[rata-novus]

seeing news media already pulling a "the person who died from bird flu was old and had preexisting conditions (so its fine)" gambit knowing full well that getting covid even once negatively affects your immune system and is itself a preexisting condition is. um. terrifying tbh