What are some Illnesses that Prevent People from getting Health Insurance?

Answer:
People with pre-existing conditions often find

it difficult to get individual health insurance plans. This is because the insurance company understands that their illness is costly and that the risk isn’t worth insuring.

For example, a person with cancer will have a hard time acquiring health insurance because the insurance company will expect frequent doctors’ visits, hospital stays, chemotherapy, and other related medical expenses.

Among the many illnesses that prevent people from getting health insurance are: AIDS and HIV positive status, Alzheimer’s disease, angioplasty, cancer, chronic obstructive pulmonary disease, congestive heart failure, cirrhosis of the liver, Crohn’s isease, diabetes, emphysema, heart disease, Hodgkin’s disease, lupus, leukemia, multiple sclerosis, hydrocephaly, Parkinson’s disease, stroke, ulcerative colitis, and hemophilia.

The list continues and can even include behaviors such as past suicide attempts. The Health Insurance Portability and Accountability Act of 1996 offers some relief to those with pre-existing conditions. If you have a pre-existing condition, HIPAA limits the length of time you can be denied coverage under your employer’s group health plan and possibly eliminate it if you were previously covered by another health plan.