These 15 States Rank Highest Among America's 12.5 Million Patients at Risk if Pre-Existing Condition Laws Change

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This guide was written by Jeff Ostrowski

Jeff Ostrowski A veteran business journalist, Jeff Ostrowski writes about money for the Palm Beach Post in Florida. Ostrowski is proud to say he knows how to use a financial calculator to amortize a mortgage.

An estimated 54 million Americans ages 19 to 64 have a pre-existing condition that qualifies as a “potentially declinable” illness or disorder, according to a report by the nonprofit Kaiser Family Foundation (KFF). With recent changes to the tax code, increased premium costs, cases of health insurance fraud and legal challenges to the Affordable Care Act (ACA), the US health care industry could return to a system where would-be policyholders pay higher rates for pre-existing conditions. Some people could be denied coverage completely. MoneyGeek crunched the numbers on the KFF report and concluded that 12.5 million Americans with potentially declinable health conditions could be impacted by a policy change. These people with pre-existing conditions are either uninsured or obtain coverage through the ACA Marketplace.

These are the states with the most people at risk of losing coverage if regulations around pre-existing conditions are changed.

15. South Dakota

South Dakota

  • At-risk residents (pre-existing conditions directly insured or uninsured): 36,000
  • Percentage of total state population with pre-existing conditions: 7.20%
  • Residents with declinable pre-existing conditions: 123,000

14. Nebraska

Nebraska

  • At-risk residents (pre-existing conditions directly insured or uninsured): 75,000
  • Percentage of total state population with pre-existing conditions: 6.80%
  • Residents with declinable pre-existing conditions: 295,000

13. Idaho

Idaho

  • At-risk residents (pre-existing conditions directly insured or uninsured): 83,000
  • Percentage of total state population with pre-existing conditions: 8.40%
  • Residents with declinable pre-existing conditions: 259,000

12. Arkansas

Arkansas

  • At-risk residents (pre-existing conditions directly insured or uninsured): 138,000
  • Percentage of total state population with pre-existing conditions: 8.00%
  • Residents with declinable pre-existing conditions: 597,000

11. Mississippi

Mississippi

  • At-risk residents (pre-existing conditions directly insured or uninsured): 162,000
  • Percentage of total state population with pre-existing conditions: 9.50%
  • Residents with declinable pre-existing conditions: 593,000

10. Louisiana

Louisiana

  • At-risk residents (pre-existing conditions directly insured or uninsured): 201,000
  • Percentage of total state population with pre-existing conditions: 7.40%
  • Residents with declinable pre-existing conditions: 932,000

9. Oklahoma

Oklahoma

  • At-risk residents (pre-existing conditions directly insured or uninsured): 214,000
  • Percentage of total state population with pre-existing conditions: 9.50%
  • Residents with declinable pre-existing conditions: 718,000

8. South Carolina

South Carolina

  • At-risk residents (pre-existing conditions directly insured or uninsured): 240,000
  • Percentage of total state population with pre-existing conditions: 8.20%
  • Residents with declinable pre-existing conditions: 914,000

7. Alabama

Alabama

  • At-risk residents (pre-existing conditions directly insured or uninsured): 249,000
  • Percentage of total state population with pre-existing conditions: 8.80%
  • Residents with declinable pre-existing conditions: 957,000

6. Missouri

Missouri

  • At-risk residents (pre-existing conditions directly insured or uninsured): 261,00
  • Percentage of total state population with pre-existing conditions: 7.30%
  • Residents with declinable pre-existing conditions: 1,079,000

5. Tennessee

Tennessee

  • At-risk residents (pre-existing conditions directly insured or uninsured): 326,000
  • Percentage of total state population with pre-existing conditions: 8.20%
  • Residents with declinable pre-existing conditions: 1,302,000

4. North Carolina

North Carolina

  • At-risk residents (pre-existing conditions directly insured or uninsured): 478,000
  • Percentage of total state population with pre-existing conditions: 7.90%
  • Residents with declinable pre-existing conditions: 1,762,000

3. Georgia

Georgia

  • At-risk residents (pre-existing conditions directly insured or uninsured): 508,000
  • Percentage of total state population with pre-existing conditions: 8.10%
  • Residents with declinable pre-existing conditions: 1,805,000

2. Florida

Florida

  • At-risk residents (pre-existing conditions directly insured or uninsured): 1,209,000
  • Percentage of total state population with pre-existing conditions: 9.90%
  • Residents with declinable pre-existing conditions: 3,526,000

1. Texas

Texas

  • At-risk residents (pre-existing conditions directly insured or uninsured): 1,566,000
  • Percentage of total state population with pre-existing conditions: 9.30%
  • Residents with declinable pre-existing conditions: 4,794,000


Jeff Ostrowski is a writer for MoneyGeek. A veteran business journalist, he also writes about money for the Palm Beach Post in Florida. Ostrowski is proud to say he knows how to use a financial calculator to amortize a mortgage.

Sources

HealthInsurance.org. “ Florida health insurance marketplace: history and news of the state’s exchange.” Accessed March 3, 2020.