Yeah, me too. I don’t know whether it’s a gift or a curse, but I still have a rough idea of what’s in the bill on the table. That’s why when I see something like this:
http://www.nytimes.com/2010/01/17/magazine/17FOB-ethicist-t.html
My son was dropped from our family’s employee-sponsored health insurance shortly after graduating from college in May. While filling out the application for a new policy, he asked me how to answer a question about his marijuana use in the past year. I said, “Honestly.” He checked a box indicating he smoked very occasionally and was denied coverage. Now he is uninsured while countless pot-smoking liars have coverage. My husband thinks I gave our son foolish advice. Do you agree?
[reply]
UPDATE: The son appealed the decision. The company remained adamant but said he could reapply in a year. [writer] says she believes it was giving him a nod and a wink, hinting that next year her son should simply lie. The parents were able to get him back on his father’s policy for $500 a month.
Let’s count the ways in which health reform would fix this situation:
1. kids get counted as dependents and can receive their parents’ insurance until 26, instead of now, when it’s 18-or-22-if-in-school
2. insurance companies can’t flat-out deny coverage based on a pre-existing condition, assuming that drug use was considered for its health, rather than legal, implications
3. they also can’t charge the kid astronomical premiums in lieu of denying coverage for said condition. The bill sets out the maximum allowable price differential between lowest- and highest-cost plans (based on factors like age, preexisting conditions, smoking, possibly gender (since women are more costly to insure)).
4. the hotly-debated insurance exchanges may not cover most Americans, but they would cover a recent college graduate who didn’t have insurance through an employer. And, because of changes to the actuarial risk-pooling in the individual policy market, it would be closer in line with what everyone else pays.
People of America (especially Scott Brown), these are all good things. Make it happen.