Lets say I had health insurance and I developed cancer which the insurance company payed the medical bills to I could get better. Would my monthly insurance bill go up in or remain the same? Lets say the cancer came back again, would they pay the the same procedure again? What would happen if I could not afford Health insurance? Would they leave me to die?
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You are not penalized for claims, for American Health Insurance policies. Once you have a policy, your premiums stay the same, unless you get old enough to go into another age bracket, or ALL the rates in your bracket are raised. And yes, if you need the treatment again, you'd get it again, until you exceed the policy limits. Most policies have a lifetime limit of $1,000,000. If you can't afford health insurance - there is welfare health insruance available, called Medicaid. If you choose not to carry any health insurance, you can STILL get treatment - you just have to agree to pay for it. MOST people end up filing bankruptcy in cases like this. Uninsured medical costs are the #1 reason for bankruptcies in the US. And about 15% of Americans are uninsured. Half of them by choice - mostly the young 20 somethings, that would rather have a large screen tv than health insurance, because they "know" nothing is going to go wrong with them.
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