The American Health Care Act stipulates that states can allow insurers to charge people with pre-existing conditions more for health insurance (which is banned under the ACA) if the states meet certain conditions, such as setting up high-risk insurance pools. Insurers still cannot deny people coverage outright, as was a common practice before the ACA's passage, but they can hike up premiums to an unaffordable amount, effectively pricing people out of the market.
While it depends on the insurer—they have the right to choose what counts as "pre-existing"—these ailments and conditions were universally used to deny people coverage, according to the Kaiser Family Foundation, a nonprofit focusing on health care research.
- Alzheimer’s/dementia
- Anorexia
- Arthritis
- Bulimia
- Cancer
- Cerebral palsy
- Congestive heart failure
- Coronary artery/heart disease, bypass surgery
- Crohn’s disease
- Diabetes
- Epilepsy
- Hemophilia
- Hepatitis
- Kidney disease, renal failure
- Lupus
- Mental disorders (including Anxiety, Bipolar Disorder, Depression, Obsessive Compulsive Disorder, Schizophrenia)
- Multiple sclerosis
- Muscular dystrophy
- Obesity
- Organ transplant
- Paraplegia
- Paralysis
- Parkinson’s disease
- Pending surgery or hospitalization
- Pneumocystic pneumonia
- Pregnancy or expectant parent (includes men)
- Sleep apnea
- Stroke
- Transsexualism
But Cynthia Cox, Kaiser's associate director, notes that the above list is a conservative sampling of all of the issues and maladies that insurers could count as pre-existing conditions. " There are plenty of other conditions, even acne or high blood pressure, that could have gotten people denied from some insurers but accepted and charged a higher premium by other insurers" says Cox.
Here are some examples of those other conditions that experts have noted could hike premiums:
- Acne
- Asthma
- C-Section
- Celiac Disease
- >Heart burn
- High cholesterol
- Hysterectomy
- Knee surgery
- Lyme Disease
- Migraines
- Narcolepsy
- Pacemaker
- Postpartum depression
- Seasonal Affective Disorder
- Seizures
- "Sexual deviation or disorder"
- Ulcers
The left-leaning Center for American Progress notes that high blood pressure, behavioral health disorders, high cholesterol, asthma and chronic lung disease, and osteoarthritis and other joint disorders are the most common types of pre-existing conditions.
