PHI 101: Health Conditions Denied by Individual Market Insurers
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Often Denied: |
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Sometimes Denied: |
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If you need to buy health insurance in the individual insurance market, you will be out of luck if you have cancer, diabetes, MS or AIDS.
If you are overweight or have high blood pressure or asthma, you also may not be able to buy coverage or will pay a premium and will likely not be able to buy coverage to treat your condition.
Even acne or hay fever, relatively minor health problems, may keep you from being eligible for individual health insurance.
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LATEST SCORECARD
Fifty-eight percent of primary care doctors in the U.S. report their patients often have difficulty paying for medications and care, and half of U.S. doctors spend substantial time dealing with restrictions insurance companies place on their patients’ care, according to the 2009 Commonwealth Fund International Health Policy Survey.
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Families saw their premiums for job-based health insurance rise to an average of $13,375 annually in 2009, with workers paying an average share of $3,515 and employers paying $9,860.
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