https://www.wsj.com/articles/pre-existing-condition-fiction-11601507970?mod=opinion_lead_pos1
Joe Biden claimed at Tuesday’s debate that “100 million people who have pre-existing conditions” will lose insurance if the Trump Administration wins an Affordable Care Act case at the Supreme Court. Democrats have terrified voters with this fiction for years, and Republican confusion has helped keep the fear alive. So let’s explain the reality one more time.
Stipulate first that the GOP attorneys general asking the court to strike down the Affordable Care Act are committing political malpractice. As we wrote Monday, Chief Justice John Roberts’s Court is not about to strike down the entire law, and Democrats know it. But the Trump Administration’s support of the lawsuit has handed Democrats a potent line of attack.
Yet on the merits, the left overstates the problem of pre-existing conditions to justify political control of health care. Mr. Biden’s 100 million figure may come from an estimate of how many Americans have a condition but aren’t enrolled in Medicare or Medicaid. Those two programs cover about one-third of the U.S. population, including seniors and the poor who have pre-existing conditions. Another roughly 160 million Americans have employer-sponsored insurance, where rules on pre-existing conditions date to 1990s privacy law.
The question is not how many Americans have a health condition, but how many Americans buying insurance in the individual insurance market have a condition that makes them difficult to insure at prices they can pay. Keep in mind that the Affordable Care Act set up a subsidized transitional plan for anyone with pre-existing conditions denied insurance in the individual market. Peak enrollment: about 115,000 in 2013.