Critics of the health care reform are apprehensive about the proposed individual mandate requiring all American to purchase health insurance or pay a fine of at least 2 percent of their income to the government. These critics are arguing because they think Americans will be locked into purchasing a product that has the potential to become ever more expensive especially if the final outcome does not have a government run insurance plan to complete with private insurance companies. The chairman of the liberal Democracy for America stated that his group would like to see the individual mandate stripped. There have been complaints from the private insurance industry about the mandate as well. They are concerned that the penalty for failing to purchase insurance is too mild and that young healthy people will choose to pay a small tax penalty rather than purchase insurance. Do you agree? Will people pay a fine rather than purchase health insurance?

Pelosi and other Democrats have said that Republicans are looking to protect the health insurance industry that is their business supporter, not so much from a government insurance selection, but from the Expansive industry reforms that benefit from public support, including the eradication of coverage caps and the practice of declining coverage to individuals with pre-existing conditions. The White House also wants to push the deliberation toward insurance reform, because it is easier to assimilate than long-term cost control, which is another important objective. Is the government looking to protect the health insurance industry?

According to Florida state health insurance regulations, individual health insurance policies are not definite issues. Most individual health insurance policies have to process through a medical underwriting team, permitting the individual health insurance companies to refuse any applications based on past health history and pre-existing health conditions. There is a 24 month medical history review and exclusionary period for pre-existing conditions. In some situations pre-existing conditions could not be considered when applying under HIPPA. During the application and review process, the insurance company has the ability to deny coverage based on health history, provide minimum insurance with restrictions or approve the application with full coverage. Are Florida’s insurance underwriters more aggressive than other states?