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1-Should individuals with preexisting conditions be able to purchase health insurance at the same cost as those without such conditions? Why or why not?

2-What are the advantages of conducting a cost-benefit analysis on a new health care service an insurance company is considering, such as screening for prostate cancer as a covered benefit?

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Pre-existing health care conditions and Insurance

1-Should individuals with preexisting conditions be able to purchase health insurance at the same cost as those without such conditions? Why or why not?

Unequivocally Yes: Let's face it: if the tables were turned we would think it unfair-no one asks to be sick or to have pre-existing conditions. As such, in the name of fair treatment, equality, justice, human dignity and human rights-those with pre-existing conditions (with the exceptions of overeating leading to gross obesity that is not genetic-related (some examples (not all) of abuse of drugs and alcohol). unlike auto-insurance, where many individuals can have a history of reckless, careless driving; in deed insurance companies can and perhaps should charge them more as they are high risks. That said however; we are speaking of will power versus (for most part) inevitable events such as sickness and we are also comparing a human body and a car. This is a very different kind of liability-akin to "acts of god" or "natural causes". Imagine a young child with cancer and she is being told this or her parents? This is just another form of discrimination - since you are gay-you cannot adopt kids; because you speak this language-or is of this religion you cannot; because you are from this racial or ethnic group you cannot and because you have had cancer before-sorry you will have to pay?

In the United States, not covering an individual because of pre-existing conditions ...

Solution Summary

The expert determines whether individuals with preexisting conditions be able to purchase health insurance at the same cost as those with such conditions. The advantages of conducting a cost-benefit analysis are provided.

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