How can insurance companies include preexisting conditions without a health care mandate?

Question

If there's no mandate, and insurance companies are forced to give me affordable health care regardless of preexisting conditions, that means I only have to get health insurance when I come down with cancer. I hear many Republicans stating that they are all for barring insurance companies from excluding those with preexisting conditions, but none of them explain how you can do so without a national mandate to buy health insurance like we have with auto insurance.

Answer 1

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Answer 2

What they do is limit benefits related to the existing condition for the first year of coverage.

I've never supported any action to prevent insurance companies from protecting themselves from the financial ravages of having to immediately cover pre-existing conditions in full. That would kill insurance companies, which would not be a good thing at all.

Of course, better than a mandate would be free-market solutions to the problem, so that there could be interstate competition for insurance, giving people more choice and the benefit of lower costs due to more competition between insureres. Throw in tax credits for individuals at the same level that companies get for offering health care as a benefit, and you have created a condition where people can own their own insurance policies, and which will be portable for them, so they do not keep having to worry about it when they change employment.

And, as ever, there is nothing in the Constitution that gives the federal government any authority to have any control or direct any resources to health care or health insurance. You can check this bcbs of mo http://2healthinsurance.net/dental-insurance/anthem-bcbs-missouri/ .
BR