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Anal?? How about the health INSURANCE INDUSTRY? They INVESTIGATE their charges... THEY want to find out if their charges had acne and didn't report it, JUST SO they can deny coverage... You don't deny that, do you?
So, for MY part, I don't care WHO is snooping into my past - the INSURANCE COMPANY or the government...
But, to say that the INSURANCE INDUSTRY is NOT investigating you NOW, is disingenuous at best.
Excon
Perhaps they do after the fact ;but I've been on an employer provided plan for a long time and neither was I denied disclosing preexisiting condition ;nor was may family denied care at the point of service. At the most on occasion I have had to negotiate when they denied coverage ,and perhaps chipped in a couple of bucks... but never was my family denied over preexisting conditions.