Pre-existing conditions have become a concern with the new American Health Care Act under the McArthur Agreement. This means that certain conditions such as anxiety, alcohol abuse, cancer and AIDS can be considered a pre-existing condition which would allow insurers on the individual market to increase premiums. While Republican House Speaker Paul Ryan has stated that no one will be denied coverage due to a preexisting condition, this does not mean it will be affordable. The Amendment will also affect how essential health benefits are viewed and could allow insurance companies to increase premiums.
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