My point wasn't that the parents were without fault. BCBS says that they require the whole family to have coverage. The parents maybe should've gone with a company that allowed better flexibility. My point was that they are customers and have a policy for their kids. If the new child was healthy, it would've been added as well regardless.
I tried to phrase my response so that I never brought up health care reform or if this was a bad thing that BCBS did. I'm relatively new to P&N, so I didn't realize how hard that is.
Sorry, we're used to agendas.
Any company has to make a profit to survive, like you or I need money to buy things for our household. When anyone else does this it's reasonable. When health care is involved people suddenly lose their senses and demand that people who provide insurance effectively become slaves to the state. Well, that's how it shakes out.
So to control costs insurance companies have policies which allow them to calculate how much to charge (forgive me if this seems pedantic, if you are new here you may find it's amazing how the obvious escapes people, so consider that not everything I say is directed at you).
Now the insurance company could decide to change it's policies and allow this. What that would mean is that premiums would go up since what people are asking is that the insurance company absorb hundreds of thousands of dollars for next to nothing, and then be potentially dropped, never coming near recouping their costs. Remember that operating at a loss means closing your doors, and everyone else you serve goes without insurance as well. OK, that's something which can be considered, and then the insurance company will have to go before the government and ask for rate increases and AT will become livid because they are raping the world. You can see how that goes.
Now even if that happened one may say that the insurance company should have sucked up the loss and made an exception. At which time they would promptly be sued because they did so by others who would have done the same thing.
This is a lose/lose situation for them. They can't afford to operate at a loss, and can't afford to be sued by a whole crowd of people who want the same free ride but didn't get it.
The "evil" insurance people have children with mouths to feed, and the "angelic" critics don't care.
There is a disconnect between what is possible and what ought to be, but fantasy rules on internet forums and in DC.