When Congress was debating health-care reform, prior to passage of The Patient Protection and Affordable Care Act, there were what I considered inflated examples of individuals denied insurance, and claims not paid by insurers. These examples ignored the fact that historically insurers have paid 99.5% of all claims.

In many states, group plans, which are defined as employer-sponsored plans with two or more employees, offer guaranteed insurance coverage with no waiting period for preexisting conditions. Individuals with complicated medical histories can also obtain coverage, but at rates which are higher, in order to cover the risk.

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