Private Health Insurance: Estimates of Individuals with Pre-Existing Conditions Range from 36 Million to 122 Million

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By John E. Dicken (au)
Year: 2012
Pages: 46
Binding Paperback
ISBN 978-1-4578-3223-9

Product Code: 1457832232

Description

Individuals who buy coverage directly from a health insurer are often denied coverage due to a pre-existing condition during a process called medical underwriting, which assesses an applicantäó»s health status and other risk factors. Beginning January 1, 2014, the Patient Protection and Affordable Care Act (PPACA) prohibits health insurers in the individual market from denying coverage, increasing premiums, or restricting benefits because of a pre-existing condition. This report assessed the effect of this provision on adults who are 19-64 years old. It examined (1) the most common medical conditions that would cause an insurance company to restrict or deny insurance coverage for adults and the average annual costs associated with these conditions; (2) estimates of the number of adults with pre-existing conditions; and (3) the geographic and demographic profile of adults with pre-existing conditions. Tables and figures. This is a print on demand report.

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