Reply #12: technically no [View All]

[grantcart]

The Obama/Biden Plan http://www.barackobama.com/pdf/issues/HealthCareFullPlan.pdf required that insurers accept all applicants but it did not explicitly state that insurers would not be able to differentiate fees on the basis of preconditions.

This is a small but critical distinction. If insurers were required to accept all applicants but have different fees based on risk categories they could overcome adverse risk selection. The moving parts don't really fit because an insurer could accept everyone on paper but charge rates to some risk groups that would be unmarketable.

So in all honesty Senator Clinton's position on mandate was much more realistic and upfront.