Pre-Exisiting Conditions Are Your Own Fault, Says Geogia’s Insurance Commissioner
Hrafnkell Haraldsson at PoliticusUSA picked it up. Ralph Hudgens likens getting insurance for pre-existing medical condition to getting into a car wreck that you caused and then asking insurance to pay for it:
“I’ve had several companies come in and they have said just the fact — just the fact — that in the individual market pre-existing conditions have to be covered on Jan. 1, that that is going to double the cost of insurance. And if you don’t really understand what covering pre-existing conditions would be like, it would be like in Georgia we have a law that says you have to have insurance on your automobile. You have to have liability insurance. If you’re going to drive on Georgia’s roads, you have to have liability insurance. You don’t have to have collision. You don’t have to have comprehensive. You don’t have to have rental car or towing or anything else. But you have to have liability.
“But say you’re going along and you have a wreck. And it’s your fault. Well, a pre-existing condition would be you then calling up your insurance agent and saying, ‘I would like to get collision insurance coverage on my car.’ And your insurance agent says, ‘Well, you never had that before. Why would you want it now?’ And you say, ‘Well, I just had a wreck, it was my fault and I want the insurance company to pay to repair my car.’ And that’s the exact same thing on pre-existing insurance.”