Preexisting Conditions Common in United States

One-fifth of the non-elderly population has a preexisting condition

January 31, 2011 RSS Feed Print
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Last week, the Department of Health and Human Services released an analysis estimating that 50 to 129 million non-elderly Americans have preexisting conditions. Under the current healthcare system, insurance companies can deny coverage to people with such conditions.

The HHS analysis emphasizes the fact that, under the new healthcare reform law, Americans with preexisting conditions cannot be penalized in the form of coverage denial or higher premiums. Reform opponents on the right have not allowed the report to go unanswered. The Heritage Foundation, a conservative think tank, responded in a blog post that characterized the findings as "misleading and wildly inaccurate," and asserted that the existing healthcare system already works to treat people with preexisting conditions: "Individuals who do the right thing (getting and keeping coverage) are rewarded; individuals who do the wrong thing (waiting until they are sick to buy coverage) are penalized."

HHS analysts arrived at the figures by identifying conditions that would likely cause people to be denied coverage and then, with the help of a 2008 survey that measured the number of medical visits pertaining to those conditions, estimated the number of people with those conditions. The lower estimate was calculated by using eligibility guidelines from high-risk pools as defined by seven major insurance companies. The higher estimate includes common conditions, such as arthritis and obesity, that can also affect a person's ability to obtain coverage or premium costs.

The idea of 50 million or 129 million people can be hard to conceptualize. Here are figures to provide context:

50 million people, the HHS's lower estimate of the number of Americans with preexisting conditions, is...

- one-fifth of the non-elderly population of the U.S.

- 16 percent of the total U.S. population.

- the combined population of California and Illinois.

- the population of South Africa.

- more than 13 million more than the U.S. foreign-born population

- nearly 5 million more than all Americans of Hispanic or Latino origin

- the size of the U.S. black and Asian populations, combined.

- more than twice the U.S. population over 16 employed in the service industry.

 

129 million, the HHS's upper estimate, is...

- nearly three million more people than the populations of the six most populous U.S. states: California, Texas, New York, Florida, Illinois, Pennsylvania, and Ohio.

- roughly two million more than the population of Japan.

- three million fewer than the estimated total U.S. voter turnout in 2008.

- more than twice the number of children under 18 years old in the U.S.

- more than twice the number of Americans who identify as non-white.

- more than half of the number of Americans who identify as white.

- 91 percent of the U.S. civilian employed population over the age of 16.

Sources: 2010 Census (state populations), Census Bureau's 2005-2009 American Community Survey (race and ethnicity, employment), CIA World Factbook (international populations).

Tags:
healthcare reform

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Pre-existing conditions? Maybe because of the privacy law (HIPA) is preventing the gov't from keeping an accurate number. I lost my group medical coverage when I lost my job 2 years ago. I am ill due to no fault of my own. I have asthma and rheumatoid arthritis, and because of these two debiltating diseases and the medications that I have to take for them, gave me diabetes. BTW, I am still unemployed, I had COBRA coverage, but my former employer wasn't eligible for the COBRA subsidy, so I had to cancel COBRA because half my monthly unemployment benefits would go for the COBRA premium, and I wouldn't be able to afford the medications or even go to the doctor. Luckily in Minnesota, there is a pool of people with pre-existing conditions who can get coverage from one insurance company. However, their rates went up in August. The rheumatoid arthritis is not going to go away and it's severe enough that I must continue to take very expensive drugs to remain able to taek care of myself. I cannot get cheaper insurance, as at least one company said they would not pay for pre-existing conditions for the first 18 months!

This seriously has to change. I hope the Obama administration can go forward with this healthcare reform.

Becky of MN 5:42PM January 31, 2011

Also - economies of scale reduce the costs of healthcare per person. Medicare costs less than private care even now. People overseas spend half what we pay for medications and doctors because all use the services, and the government negotiates the prices down for all.

The model you propose is very concerned with the well-being of the insurer. I propose that we be more concerned with the sick and aging. Maybe the insurance companies would quit running the hundreds of ads that cost $$$ millions - and we could afford our healthcare. maybe there would be one less fish tank in the lobby of the hospital, but one more person could get treatment. Maybe a cardiologist could earn $500,000/year instead of $2.5 million, and a few more women could afford screening for breast cancer.

We all hav similar risks of coming down with a serious illness. The scam of pricing health insurance until it no longer offers better health is criminal. Try taking a flat of strawberries into the hospital when cash was short like we used to when I was a kid....it is all BIG BUSINESS, and we are getting "the business".

Mike of MA - you are simply describing Medicare. I agree - medicare should be available for all. It is paid for by individuals already through payroll deductions, so it is not a tax burden....to anyone.

It's sad to hear others try to justify cutting off people. Wait until it happens to you..... Wait until your child cannot be treated because he has a pre-existing condition, and the only insurance available is the cost of your house payment.

DeeToo of SC 4:43PM January 31, 2011

Not allowing rate changes for pre-existing conditions kind of defeats the purpose of insurance. Insurance exists to transfer the risks and associated costs of care from the individual to the insurance company. Insurance needs to be priced according to the probability of an associated cost occuring, higher risk = higher cost, otherwise the insurance company has no incentive to exist. This healthcare plan would be much better served by specifying a set amount of care for a set price (preferably paid through tax) and allowing private, appropriately priced insurance to fill in the gaps.

Mike of MA 2:39PM January 31, 2011

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