Fact

As many as 1 in 2 Americans has a preexisting condition.

Do 1 in 2 Americans Really Have a Preexisting Health Condition?

Studies have shown that as many as 1 in 2 Americans have a health condition that qualifies as a pre-existing condition. While 1 in 2 is on the high side of a 2011 estimate done by HHS, it is generally accurate. Studies done since have generally drawn the same conclusions (see links and citations below).[1][2][3]

TIP: See a list of preexisting conditions that affect life insurance. It is a mind-numbingly long list that includes just about every condition under the sun. This is what is at stake if the ACA repealed (although one should note many states had state-based rules that protected those with preexisting conditions before the law). The only loophole under the old system, for those in states without protections, was to go work for a large employer (as they could provide guaranteed coverage). So if you think being forced to work for a large employer until you turn 65 is a good thing, then support a full ACA repeal; if you think it isn’t something you want, consider learning about our fix.

See how this video describes this period in which they can deny you coverage and care? That is how it used to be for 1 in 2 Americans before the ACA and new repeal and replace plans are set to bring this back!

FACT: Before the Affordable Care Act nearly 1 in 5 Americans with preexisting conditions were uninsured. As of December 2016, the total uninsured rate is at an all-time low of less than 10%.

FACT: A 2007 study found that about 36% of American surveyed had been turned down or charged a higher price due to preexisting conditions and 85 percent of adults with incomes under 200 percent of poverty who tried to buy coverage on the individual market never purchased it. When people point out that coverage used to be cheaper before the ACA, they typically don’t tell this part of the story.[4]

RECENT 2017 DATA: See, Health Insurance Coverage for Americans with Pre-Existing Conditions: The Impact of the Affordable Care Act by HHS and Number of Americans with Pre-Existing Conditions by Congressional District by the Center for American Progress.

What Qualifies as a Preexisting Condition?

According to a 2011 HHS report, anywhere from 50 to 129 million (19 to 50 percent) of Americans under age 65 have a preexisting condition. Meanwhile, 48 to 86 percent of people ages 55 to 64 live with a preexisting condition. Many seniors over 65 live with a preexisting condition.[5]

The number is a range based on studies; the number doesn’t include those under 18 (a group in which fewer people have preexisting conditions) or those over 65 (a group in which more people have preexisting conditions). Instead, this range tells us that as many as 50% of those affected by the Affordable Care Act benefited from its patient protections.

The exact numbers depend on what we consider a preexisting condition and survey data, but the general factoid is true.

Preexisting conditions include minor things like “having hay fever once.” Thus, one’s first thought might be dismissive. “If we are going to count every little thing, then of course 50% of people have a preexisting condition.” However, this is exactly the sort of reasoning that insurers used when assessing insurability and rate for a person requesting a healthcare contract, or at least that was the case before the Affordable Care Act. Under the Affordable Care Act, no one can be charged more, denied coverage, or dropped from coverage for having a preexisting condition.

In the current Affordable Care Act environment, it may seem as though preexisting conditions are not significant, but they used to be, and could be again if the ACA is repealed. Thus, it is important for Americans to understand that very roughly half of us have a health condition that technically counts as “a preexisting condition.”

FACT: The study: At Risk: Pre-Existing Conditions Could Affect 1 in 2 Americans: 129 Million People Could Be Denied Affordable Coverage Without Health Reform lists off a large number of citations that back up the general claims made about 1 in 2 Americans having a preexisting. When you watch this video, you will realize how common it used to be to discriminate against people who were likely to make medical claims because they had already made a claim for a condition that could be viewed as preexisting.

This video lists off some of the many health conditions that count as a preexisting condition.

FACT: The data is sometimes used to make it seem as though “120 million lives were saved because of the ACA.” It doesn’t work like that. The real “at risk” demographic were those who don’t work for large companies, those who had been sick in the past, and those who didn’t live in states that had strict preexisting conditions rules. Still, when we consider a person’s full life span, the chances that they will fall in this high-risk category increases dramatically and starts to resemble the 1 in 2 statistics a lot more accurately. [6]

Preexisting Conditions and the Affordable Care Act

Luckily, the Affordable Care Act (ACA) ensures guaranteed issue coverage for preexisting conditions. This means that, under the ACA, the 1 in 2 who could have been charged more for coverage before the law went into effect because they had been sick in the past, can’t be charged extra or denied coverage today. This may change in the future as a proposed GOP repeal and replace plan may use a “Continuous Coverage Exclusion” For Pre-Existing Conditions.[7][8][9]

The ACA isn’t all good, but the preexisting conditions provision protects about half of America.



Conclusion

While it isn’t accurate to say “exactly 50% of Americans have a preexisting condition” (as the definition of a preexisting condition and the exact health status of all Americans isn’t something easily defined), general statements like “as many as 1 in 2 Americans have a preexisting condition” or “about 1 in 2 Americans have a preexisting condition” are accurate enough and can be backed up by past surveys and studies.

The point here isn’t that the ACA magically saved 120 million lives, it is that about 1 in 2 Americans have a health condition that could be considered a preexisting condition, which (even with large employer coverage and other avenues that people used to use to skirt the issue considered) should be kept in mind in a push to repeal the Affordable Care Act.


Citations

  1. Health Insurance Coverage for Americans with Pre-Existing Conditions: The Impact of the Affordable Care Act. HHS.
  2. Number of Americans with Pre-Existing Conditions by Congressional District. Center for American Progress.
  3. the 2011 estimate on Preexisting Conditions done by HHS
  4. Failure to Protect: Why the Individual Insurance Market Is Not a Viable Option for Most U.S. Families Findings from the Commonwealth Fund Biennial Health Insurance Survey, 2007
  5. At Risk: Pre-Existing Conditions Could Affect 1 in 2 Americans: 129 Million People Could Be Denied Affordable Coverage Without Health Reform
  6. Millions with Preexisting Conditions
  7. The “Continuous Coverage Exclusion” For Pre-Existing Conditions
  8. The “Continuous Coverage Exclusion” For Pre-Existing Conditions
  9. Guaranteed Issue


"As Many As 1 in 2 Americans Have a Preexisting Condition" is tagged with: Ethics, Morality, Mortality Rates


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Maggie McCain on
Supports this as a Fact.

It seems to me that 100% of people are born into the world with a certain set of “pre-existing conditions” that define or predict a range or spectrum of values for every characteristic of our bodies. These characteristics determine our entire physical nature, both visible and invisible, from our sex, to colors of hair, eyes, and skin, to bmi or muscle mass or flexibility or height, to vision acuity, to propensity for chronic metabolic conditions, to correlation with autoimmune conditions, etc. Some of these conditions we are aware of and some we are not, depending on the state of our biological or medical knowledge and attention at any particular time. As biological-medical knowledge advances (particularly in genetics and the action of chromosomes) we may expect to be able to predict or detect even more characteristics and variations of those characteristics, with even more “pre-existing conditions” being named. Whether particular characteristics are treated as abilities, disabilities, illnesses, or natural spectrum conditions, depends on quite a lot of other environmental conditions (including social, economic, and legal) which also vary quite a lot from time to time and place to place. In addition to pre-existing conditions, we also suffer other forms of injury and illness, some of which can be traced to a “cause” (pesticide poisoning, auto accident, virus, bacteria etc.) and some of which cannot. Some have a “cure” and some do not. Some are contagious and some are not. Even when a health condition is not contagious its effects radiate out to the family, friends, and entire community. So, for the health of the society as a whole, we need to optimize the health of each of its members to the extent possible. It seems to me that the only wholesome, just, fair, and equitable policy as a society is universal health care (including ongoing therapy and education as appropriate). We need to eliminate the business/game/financial speculation of “insurance” (casino operators) and reallocate the resources we waste on that system (and the bureaucratic and propaganda systems required to sustain it) in order to provide real health care to real people.