Current Events > How did employer insurance work before the ACA?

(+) Yeah! (+)

Would there be cases where you could not get a plan dur to preexisting conditions? So you were basically stuck?
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No, and it was cheaper and better

Before the ACA, people would wake up in a hammock on the beach, to a nice cool breeze, and the rest was sufficient to heal any ailment whatsoever, provided at least eight hours.
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muchdran posted...

No, and it was cheaper and better

Obviously not. I know it was bad for people that go their own insurance but I was wondering what situation I would be now pre ACA I get insurance through work.
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Honestly before the ACA I went for like 6 years without any insurance at all.

Now that I have insurance I go to the doctor for splinters and shit just to get my money's worth.
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Before it I paid less per month for the same coverage I've got now.
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muchdran posted...

No, and it was cheaper and better

Except if you got really sick. There were lifetime benefit caps and they could cancel your coverage if they searched through your med history to deny you coverage for prexisting conditions.

ConfessPlease posted...

Would there be cases where you could not get a plan dur to preexisting conditions? So you were basically stuck?

depends. I only vaguely remember the terms of my last insurance before the ACA, but it said that Pre-existing conditions would explicitly be covered after 1 year of policy holding. IIRC this was a common thing for employer insurance because employers would often change insurance every year as they always looked for better prices and contracts were always 1 year.

So... if your employer was the type that would change insurance every year, you were fucked. If your employer kept a single insurance for more than one year, you were probably ok provided your pre-existing condition wasn't life-threatening.
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CruelBuffalo posted...

muchdran posted...

No, and it was cheaper and better

Except if you got really sick. There were lifetime benefit caps and they could cancel your coverage if they searched through your med history to deny you coverage for prexisting conditions.

I do not believe this was the case for group policy, but most people don't actually have group policy, even if they got it through the employer.
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