Pre-Existing Conditions Often Mean No Health Insurance

While you might be understandably angry with the health insurance company that denied you health insurance coverage, it isn’t the insurance company making up the rules about who gets accepted and who gets denied. That is done by the state department of insurance, and every state has one. They are the people who set the rates for insurance companies to do business in the state and don’t allow insurance companies to take too many high risk policyholders.

This entire time people have been thinking it’s the insurance companies themselves denying coverage, when really, insurance companies are bound by the rules laid down by the state department of insurance. What does this mean? It means that in order for insurance companies to stay in business, the rules need to state that they don’t take high risk policyholders or they won’t be in business for very long.

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