Tag Archives: pre-existing condition

Overcome by Events

OBE, for short–that’s a much used phrase from a once upon a time former supervisor. Applied to projects, assignments, etc., it meant the task at hand no longer needed doing. Some might suppose that recent election results might make that an epithet applicable to health care reform. But as President Obama said in his state of the union address, it still is something needing doing. As an aside, in my own case, OBE also refers to the bronchitis that took a toll on me recently–a partial excuse for the interval between my last post and this one. So, a couple more installments on the main  topic.

Prohibiting insurors from refusing coverage of pre-existing conditions seems a bit unfair to them on the one hand or a prescription for higher rates for everyone does it not? However, while there may be some cross subsidization by healthy people of sick people, consider the alternatives. Those sick people who can’t afford or are unable to obtain coverage, will go to emergency rooms–soaking up available resources from people with genuine emergencies. Those uncovered people will also be out and about in stores, schools, neighborhoods, etc., where any communicable illnesses they may have can impact on the rest of us. In other words, we may all wind up paying for or suffering on account of denying coverage to others. So in the long run, it may make more sense to  find a way to pay for coverage for them, pre-existing conditions and all.