There is finally some good news in line for people who don't have insurance and can't get any because they are already sick. Starting in June, the pre-existing condition insurance plan that the federal government has set up in several states is almost halving its insurance premium.
The pre-existing condition insurance plan was something that came with the Obamacare health reform package. It intended to provide insurance to uninsurable people - because the traditional insurance business tries to stay away from people with pre-existing medical conditions. For poor people who have serious medical conditions that they can't get treatment for, the $500 a month or so that they would otherwise have to pay, now goes down to $300 a month. To someone living on a very limited income, the $200 can make a huge difference. Most states did always have their own programs in place for people who needed a pre-existing condition insurance plan. But they didn't make their plans affordable.
The federal healthcare plan didn't start out trying to be affordable. In 2010, anyone who wanted coverage under it had to shell out $500 a month. Only later, when the government realized that cost happened to be a stumbling block, did they bring the price down. The federal government and healthcare reform advocates all hope that people will take advantage of the affordable premiums and sign up. They hope that this will help these people get along until the year 2014 when all the provisions of the health care reform act kick in and no private insurance company will be allowed to refuse people who have pre-existing conditions.
Not that many people are signing up though. The government expected nearly half a million people to stampede for their big chance. Instead, only a few thousand have shown up. The government wonders if the problem is that they set the bar too high for kind of proof they demand that a person does indeed have a pre-existing medical condition. They always require that you show up with a letter from an insurer that says that you are denied coverage because of a pre-existing condition. Most insurance companies require that you pay a month's premium first before you even learn whether you've been accepted. To lots of people, the hundreds of dollars it can take to pay one month's premium at a private insurer's can be a terrible strain. And that's so even if they do get their money back after some time.
The federal government has now made it simpler for people to prove that they have a pre-existing condition. All they need is a letter from a doctor or nurse that says that they have some kind of a health problem.
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