Ben Popken for The Consumerist:
Another aspect that kicked in on Sep 23 was that health care companies can’t deny insurance to children with preexisting conditions. Major players in the health care industry responded to this one by instead of denying insurance, it would opt to stop selling child-only health insurance policies entirely. It remains to be seen what other inventive ideas the health care industry will come up with as it adjusts to the new regulations.
Life-time coverage limits are starting to get phased out. These were limits that said after you exceeded a certain level, the insurance company wouldn’t pay anymore – financially devastating for seriously ill patients with chronic conditions.
This is great news for families like mine with chronically ill children, offset by this terrible strategy from the insurance companies.