Time reported that Trump promised TrumpCare would protect people with pre-existing medical conditions. “Pre-existing conditions are in the bill,” Trump said on “Face the Nation” Sunday. “And I just watched another network than yours, and they were saying, pre-existing is not covered. Pre-existing conditions are in the bill. And I mandate it. I said has to be.”
House Speaker Paul Ryan argued that people with pre-existing conditions would be “better off” under the GOP bill. But the most recent version of the legislation would leave them with higher costs and unpredictable coverage. The Republican-drafted law would keep in place a federal regulation barring insurers from setting their rates based on the health of an individual enrollee, but it would allow states to opt out.
A number of nationwide patient organizations have spoken out against the change, saying it would gut protections for people who have serious medical conditions such as heart disease and epilepsy.
Premiums in high-risk pools were often 150% or even 200% higher than in the rest of the market. States had to raise significant funds to support the high-risk pools; in 2011, net losses for 25 state high-risk pools were over $1.2 billion for just 225,000 nationwide enrollees. Many states had long wait lists for coverage and funds often ran out, leaving patients unserved.
Ultimately, if the Republican plan were passed, the health care market for people with pre-existing conditions in 2020 would have a lot in common with the health care market in 2010. If you’re older and have had health problems in the past, your care would likely be worse — despite what Trump and Ryan have said.