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What are Preexisting Conditions in Trumpcare?

What is Trumpcare?

Trumpcare is formally known as the American Health Care Act (AHCA.) It was purposed to replace Obamacare. It was first launched on March 6, 2017, by Paul Ryan, who was the Speaker of the House of the Republican Party. Immediately after its launch, President Trump backed it and urged the Republican parliamentarians to vote for it.

Trumpcare Bill Explained

Trumpcare abolished the individual mandate. It is also in favor of the same “preexisting condition” clause under the ACA, but possibly at a price increase. However, this plan is also calling for financial transparency in the prices that will be paid. Trumpcare also has cost assistance, but will be based on age versus income and may be tax deductible. In addition, Health Savings Accounts (HSA) will be available to more plans than just the ones with a high deductible. Finally, competition for insurance will be open to purchase policies across state lines.

Trumpcare and Preexisting Conditions

If you have insurance through an employer, then the changes Trumpcare brings will not affect you too much. However, if you were to leave your employment and try and purchase a policy on the open market, then you may face insurability issues, especially if you have a preexisting condition.

Even though Trumpcare upholds the Obamacare provision that insurance companies cannot deny anyone due to preexisting conditions, it does allow insurance companies to charge higher rates. The insurance companies are the ones who determine what constitutes as a preexisting condition as well as the rate increase.

Conditions that Can Be Called Preexisting

The normal preexisting conditions like high blood pressure and other heart conditions, cancer, diabetes, and kidney disorders are a given. But increased rates could also apply for simplerconditionssuch as acid reflux, migraines, anxiety, and even acne. If you are pregnant, you can plan on paying increased rates as well. Age and gender can also play into how much insurance companies can charge.

To learn more about Trumpcare for 2019 and how preexisting conditions will affect how much you will pay, contact the professionals at HealthCareInsurance.company  at (855) 401-8383. Our licensed insurance agents will be happy to answer any questions you have.

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