New Report Examines Insurance Company Practice of Denying Coverage To or Discriminating Against Americans Who Have Pre-Existing Medical Conditions

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In a new report, “Coverage Denied: How the Current Health Insurance System Leaves Millions Behind,” the U.S. Department of Health and Human Services examines the insurance company practice of denying coverage to or discriminating against Americans who have pre-existing medical conditions. A recent national survey found that 12.6 million non-elderly adults -- 36 percent of those who tried to buy insurance on the private market -- were discriminated against in the past three years because an insurance company deemed them ineligible for coverage because of a pre-existing condition, charged them a higher premium, or refused to cover their condition. Another survey found 1 in 10 people with cancer said they could not get health coverage, and 6 percent said they lost their coverage because of their diagnosis. The insurance company practice of denying coverage because of pre-existing conditions is not confined to serious diseases. Even minor problems such as hay fever could trigger prohibitive responses. An insurer could charge high premiums, deny coverage, or set a restriction such as denying any respiratory disease coverage to a person with hay fever, according to the report. Read More