This week I watched an episode of Oprah on health care. Not the best program but we need more people to keep this issue in the news and on the public's minds.
Health care discussions are hampered by two things: most people dont pay any attention to it until they personally get sick; few people have any idea what anything costs.
Our current system totally hides the costs of things as well as the rules. Sure, you got the contract but did you really understand the rules or the caps?
This article is an example of both of these issues. People move to other states and find out they are unable to get insured. And those most in need of insurance are the least likely to get it.
One of the many reasons why health insurance should not be a for-profit business.
$1,000/mo just to get insurance? Ouch. Hope you saved a big wad of cash for your 30-years of retirement medical insurance.
Health Care's Moving Cost
Varying Insurance Plans,
Pre-Existing Issues Are Factors
By VICTORIA E. KNIGHT
September 29, 2007
Wall Street Journal
The MacMahons' move to New Mexico appeared to make sound financial sense. It is generally cheaper to buy a house in New Mexico than in New York, and the cost of living is lower. Plus, the average monthly premium for single health-care policies, at $165, is among the lowest in the U.S. New York's average is $312, the third highest after Massachusetts and New Jersey.
However, in New York, insurers are required to charge all consumers the same or very similar premiums without regard to such factors as age, gender or health status. In New Mexico, insurers can factor these differences into their premiums, make permanent exclusions for pre-existing conditions or deny coverage outright.
"If you have health problems, you shouldn't assume that you can get insurance," says Gary Claxton, a vice president at the Kaiser Family Foundation, a nonprofit focused on health-care issues. Only a few states have "guaranteed issue," a requirement that all insurers sell all polices to all comers, regardless of their health.
In February, the couple secured comprehensive coverage through New Mexico's high-risk pool. Mr. MacMahon pays a $506 monthly premium and Ms. MacMahon $482 for plans administered by Blue Cross and Blue Shield of New Mexico.