On May 4, 2017 the U.S. House of Representatives passed (with a 217 versus 213 vote) the revised American Health Care Act (AHCA), aka “Trumpcare,” in hopes of repealing and replacing Obama’s Affordable Care Act (ACA). If you are interested in the nitty gritty details of the new bill, here is the official link.

The greatest controversial concern of the new bill is the potential loss of protection against pre-existing conditions, one of the pillars of the ACA.

What is a pre-existing condition? Well, any health condition that a doctor has previously diagnosed you with prior to your health plan taking effect is considered “preexisting.” This could mean essentially anything, from a simple cold to an active cancer. Prior to Obamacare, it was common practice for insurance companies to refuse coverage for a person with certain preexisting conditions. And for other diagnoses deemed less costly, they may decide to cover you but to charge you more.

Currently under Obamacare, insurance plans cannot refuse coverage or charge you more if you have a prior health condition, aka a "pre-existing condition."


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