Pre-Existing Condition and Denial of Health Insurance

The focus of this work in writing is to examine whether the individual with a pre-existing health condition should be denied health insurance coverage. Toward this end, this work will examine the literature in this area of study. A pre-existing condition is "a medical condition that existed before someone applies for or enrolls in a new health insurance policy. It can be something as prevalent as heart disease which affects one in three adults -- or something as life-changing as cancer, which affects 11 million Americans.' (HealthReform.gov, 2011) A large number of the American population has health conditions that can be qualified as pre-existing conditions by insurance companies. It is reported that insurance discrimination

"...based on pre-existing conditions makes adequate health insurance unavailable to millions of Americans. In 45 states across the country, insurance companies can discriminate against people based on their pre-existing...
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