1 / 3Virus Outbreak Preexisting ConditionsFILE - In this April 20, 2020, file photo a ventilator waits to be used for a COVID-19 patient going into cardiac arrest at St. Joseph's Hospital in Yonkers, N.Y. COVID-19 could have stamped someone “uninsurable” if not for the Affordable Care Act. The ban on insurers using preexisting conditions to deny coverage is a key part of the Obama-era law that the Trump administration still seeks to overturn.
Deere asserted that the law limits patient choice, has premiums that are too expensive and restricts patients with high-risk conditions from going to the doctors and hospitals they need. Trump has said he would protect people with preexisting conditions, as have other Republicans, but he hasn't spelled out a plan.
Story continuesIt's unclear whether the Supreme Court will hear oral arguments before the November election. A group of GOP-led states contends that because Congress repealed an ACA tax penalty, the law's requirement for individuals to carry health insurance is unconstitutional. If the insurance mandate is unconstitutional, their argument goes, then the rest of the law must collapse like a house of cards.
Before the law, people who lost their jobs and wanted to keep their employer health insurance could do so under a law known as COBRA. It's still on the books, but it requires them to pay the full premium, plus an administrative fee. That's often cost-prohibitive.
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