Higher rates are needed for those at a higher risk of illness. While it may seem cold, those with pre-existing medical conditions need the best care possible. In order for that to happen, one must invest money into care and any other needed accommodations for the best quality of life possible for patients. Money is needed to cover medical incidents. Therefore, having higher rates in such situations is proactive and responsible. In case something happens to the person afflicted with a prior condition, it is practical to have a reserve of money to take care of costs.
People with pre-existing conditions should pay more for healthcare, as they will likely cost the insurance company more money to begin with. As the premise of insurance is that it caters to the chance of a medical emergency, or just medical care, if the company already knows that the patient will need extensive medical coverage, then it makes sense to raise their rates. If the patient will cost the insurance company a lot of money, and the insurance company is aware of this, it makes sense to charge them more to even out the costs.
People with pre-existing conditions should pay higher health care rates. They are more likely to take advantage of the things that the policy has to offer. They will have more appointments, medical treatments, and prescriptions. If someone uses more of something, shouldn't they pay more?
Increased cost of care, increased cost of insurance. You don't sell a steak for the price of a hamburger, nor a hamburger for the price of a steak. A cancer patient has much higher costs for medical care than a healthy person, so they should have an increased premium to cover some of the costs. Likewise a healthy person doesn't cost much to care for, they shouldn't pay as much as someone with say sickle cell anemia, or Aids. That being said, an insurance company could compare the number of healthy to those that are severely ill. Then slightly inflate the premiums of a multitude of healthy people to help slightly lower rates of the relatively few of the severely ill.
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