Today's gripe is about the new pre-existing conditions and health coverage in the Obamacare. First off, lets talk about what exactly this provision covers.
Imagine, you have no insurance and work at a dead end job at Burger King. You make $10.00 an hour and its just enough to pay rent and food to survive. Suddenly you discover that you have cancer in your leg bone. You need an immediate surgery to remove the cancer and it will cost about 1 million dollars. You ask your rich uncle for the money, but unfortunately he doesn't have the full million.
You decide to go to an insurance company in order to try and get coverage for this expense. You walk into the insurance companies office and tell them you need to sign up for insurance. Normally it would cost $200 per month, but because you are a smoker and heavy drinker, it's going to cost you $350 per month. You figure you will pay the $350 for 3 months and then get the surgery and stop paying for the insurance policy. Basically you want the insurance company to pay out 1 million dollars because you gave them $1,050. As soon as the insurance company finds out about your pre-existing condition, they will immediately deny your request for insurance. An insurance company would not be able to stay in business if people could sign up whenever they want.
So you can see an example of why an insurance company would deny a pre-existing condition. Obamacare wants to force everyone to have insurance and as a result they promise to cover Mr. Burger King. The reasoning is that if Mr. Burger King and all his co-workers are forced to pay $100 a month for their entire life, it will cover the million dollars of surgery that Mr. Burger King wants. Makes sense because it help Mr. Burger King to live, but it forces millions of people to buy something they don't want.
Its looking like Obamacare is going to be struck down due to its forcing people to buy a product. Never before has the government forced every individual to purchase a product. The attorney for Obamacare asked the Supreme Court to also get rid of the pre-existing condition, because obviously if everyone is not paying in, you can't cover pre-existing conditions.
It will be interesting to see what the Supreme Court does.
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