How hard is it to get health insurance?

Health Insurance in the United States is extremely easy to obtain. There are no longer any underwriting requirements for getting health insurance. There is also no increase in premium based on your pre-existing health conditions. All of these factors mean that everyone is charged an average rate based on every person insured since insurance companies can no longer give better rates to people who are healthy or don't have health problems. There is no waiting period or pre-existing condition clauses. For these reason health insurance costs have increased with the introduction of the Obama health plan.