The GOP’s Plan for Pre-Existing Conditions Has a Huge Loophole

The GOP’s Plan for Pre-Existing Conditions Has a Huge Loophole

As Republicans begin taking steps to repeal the Affordable Care Act, both GOP leaders and President Donald Trump have claimed that they will keep the law’s popular provision that states insurers cannot discriminate against people with pre-existing conditions — either by denying them coverage or charging them more.

But if the GOP’s yet-to-be-unveiled Obamacare replacement plan is anything like what Tom Price — Trump’s nominee to head the Department of Health and Human Services — has proposed in the past, tens of millions of people could in fact lose their insurance, or pay significantly more for it, because of pre-existing conditions.

Before the ACA took effect, about 30% of adults under the age of 65 were uninsurable due to conditions like cancer, heart disease, diabetes, and obesity, according to the nonprofit Kaiser Family Foundation. Millions more had conditions that rendered their premiums unaffordable, and women were routinely charged more than men — based on their gender — for the same coverage. Obamacare prohibited all of this.

Price’s plan relies on a “continuous coverage” provision to create waivers for people with pre-existing conditions. An insurer offering coverage in the individual market would not be able to “impose any pre-existing condition exclusion” if the individual has at least 18 months of continuous coverage before enrolling in the new plan.

Translated, that means that if you have a pre-existing condition but haven’t had a recent gap in your health coverage, insurers could not discriminate against you.

That provision, however, leaves the door open to policy denials — or higher charges — if your coverage lapses. “If you get laid off or lose your job and do have a coverage gap, they would be able to deny you, they would be able to charge more and put limits on your insurance,” says Cynthia Cox, associate director of KFF. She notes that the policy does benefit those who can afford coverage, but “doesn’t really get at the affordability issue.”

KFF notes that most of the people that would be negatively impacted by this standard live in Republican-held states, mostly in the South, where there are higher rates of obesity and diabetes than the rest of the country.

It could also harm people who, for example, have been out of work for a while but want to start their own business or become independent contractors. “The Affordable Care Act has given a lot of people flexibility to work for a smaller company or be self-employed and purchase [insurance] on the individual market,” says Cox. “This is going to change that for a lot of people.”

Price’s plan isn’t the only one to promote the “continuous coverage” provision; it’s a mainstay in GOP-backed alternatives to Obamacare.

Other things Price’s plan would do, according to KFF:

Repeal ACA essential health benefit standards (which include things like surgery and overnight hospital stays, pediatric services, maternity services, emergency services, prescription drug coverage, and birth control)
Repeal ACA preventive health benefit standards (the services most used by young people, including routine physicals, various cancer screenings, and well woman visits)
Repeal mental health parity requirements for individual market and small-group market policies
Repeal ACA prohibition on lifetime and annual limits (which also harms those with pre-existing conditions and chronic illnesses/diseases)
Repeal ACA limits on annual out-of-pocket cost sharing
Repeal ACA provision that dependents can stay on their parents’ insurance until the age of 26
Repeal ACA right to independent external appeal of denied claims
Repeal ACA Medicaid expansion
Repeal individual and employer mandate

The Effects of Stress on Your Body and Mind Are Staggering! Watch The Video Below To See What You Can Do To Regain Your Health...

Discover How Laminine™ Can Improve Your Health... Watch The Video Above!

Laminine™ Will Help Anyone. The Benefits, When Taken Regularly May Include...

  • Moderate the Stress Response
  • Maintain Healthy Cortisol Levels
  • Regulate Serotonin Levels
  • Reduce Physical and Mental Stress
  • Help Your Body Recover from Major Illnesses (e.g. Depression, Anxiety, Cancer)
  • Promote More Restful Sleep
  • Build Collagen for Healthier Skin
  • Reduce Signs of Normal Aging
  • Improve Emotional Balance
  • Promote Faster Post Workout Recovery
And Many More Health Benefits Reported By Everyday Users!




  • Enhance Muscle Tone and Strength
  • Improve Stamina and Energy
  • Increase Alertness
  • Aid in Brain Function and Activity (For people suffering from Alzheimer's syndrome, ADD, etc.)
  • Increase Physical and Mental Strength
  • Improve Focus
  • Increase Libido/Sexual Desire
  • Stimulate Natural DHEA Production
  • Improve the Overall Sense of Well-Being

Make 2017... the Year You Improve Your Health!

Join Thousands in 42 Countries (shown at the bottom of this page) Who Are Already Seeing Amazing Health Benefits from Regular Use of Laminine™ & Laminine™ Omega Plus!

"The Happy Pill"

Laminine™ is a Natural, Synergistic SuperFood that contains 22 amino acids, trace minerals, vitamins and Fibroblast Growth Factor (FGF) The perfect combination of life-giving sustenance sourced from land, sea and plant. Its source is from the "Miracle of Life". 

 Clinical Studies have been conducted which showed Laminine's™ positive effects on Physical, Mental, Emotional Strengths and Overall Health. Laminine™ is an all Natural Product
CLICK HERE To Join My Group & Order (Wholesale) & Choose the "Laminine™ Activation Pack"

After Clicking on One of the Links Below, Just CLICK the "Click Here to Agree and Continue" Button in the "Informed Consent and Participation Agreement" Form... to Begin Your Own Personal Q & A Session on How Laminine and Laminine Omega +++ Can Help You Achieve PERFECT Health.

Updated: January 25, 2017 — 2:30 am

Copyright © 2019 - All Rights Reserved - Site Map - Resources (Add Your Link)

The statements and products referred to throughout this site have not been evaluated by the FDA. They are not intended to diagnose, treat, cure or prevent any disease or condition. If you have a health condition or concern, consult a physician.

Glenn Freiboth - (815) 524-3752 - CST - [email protected] - Company Site
An Independent Lifepharm® Distributor

Available In The Countries Below: 

Australia, Austria, Belgium, Bosnia-Herzegovina, Bulgaria, Canada, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Ghana, Greece, Hungary, Indonesia, Ireland, Italy, Jamaica, Japan, Kazakhstan, Latvia, Lithuania, Luxembourg, Macedonia, Malaysia, Malta, Netherlands, New Zealand, Philippines, Poland, Portugal, Romania, Russian Federation, Serbia, Slovak Republic, Slovenia, South Korea, Spain, Sweden, Switzerland, Taiwan, Ukraine, United Kingdom, United States - More Countries Coming Soon!