Preexisting conditions and the effects on health insurance

Solving the preexisting conditions issue is a significant hurdle in healthcare reform. Making health insurance available to individuals with preexisting conditions—while also ensuring affordability in a system in which health insurance is optional—has proven to be very challenging so far.

In this article, Milliman’s Tom Snook discusses why the coverage of preexisting conditions is a key issue in health insurance, particularly with respect to affordability and sustainability, and outlines varying approaches to addressing it.

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