Preexisting CRAP?
What is insurance? The idea is that people pay in who are healthy, gambling that if they ever get really sick they will come out ahead. The whole point is that this must NOT BE TRUE for the majority.
People with preexisting conditions SHOULD PAY MORE as they are demonstrably a higher risk.
If you are a professional climber, for example, you should pay more for trauma coverage. Ditto a race car driver. Why should someone who is far more likely to use care not pay more?
This is where the republicans derail, frankly, since no one wants to say that mom should have to pay more because she had bilateral breast cancer 10 years ago. Guess what, she should have to pay more, she's at far higher risk. (my mom was in this position, but guess what, it was fair)
You know what actually controls costs well?
HMOs.
Everyone HATED the HMO period when it was the new thing, and it's largely gone away, but look at the stats, it worked.
No one wants a real solution, they all want something for nothing.
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