When will pre-existing conditions no longer be held against health insurance applicants ?

Please, don't let it be in 2013.
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In the health reform proposals being considered in Congress the things reviewed when a person applies for an individual medical insurance plan would change. There is support, in several proposals, to eliminate the review of a persons health history and pre existing conditions. Insurance companies would continue to be able to set rates for things such as where the person lives, wellness factors such as smoking, and some amount of difference between a person who is in their 20s and age 60. This change however will not work or be effective unless the proposal includes a personal responsibility for everyone to have medical insurance When people do not have to have coverage and can wait until they have a medical problem to buy coverage the premium they will have to pay will be very very high. That does not accomplish anything! What Congress will do is certainly not know nor is the implementation timing of the various provisions. Some parts may in fact not take place until 2013 as you indicated. In the mean time there may be some useful information on this link: http://www.nahu.org/consumer/healthcare/… Look over the information - go to the bottom and enter your state for more specific information. You may find a coverage option you were not aware of. Good luck
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