Foxie-Sama
Vercingetorix VII
Foxie-Sama
So I have a proposition for the government that would take care of the pre-existing conditions. Here in my state, auto insurance is required to drive. If you are turned down by enough insurers, you can be placed in a separate "pool" of insurance for a few years, and then as long as you are accident and violation free, you can go with a regular insurer. Now, why won't the government do something similar with people that can't get health insurance due to pre-existing conditions? Because it would cost too much! So if the government couldn't insure them, how in the hell do they expect the insurance companies to insure them?
There is some food for thought
Because people that fall violently ill don't fall in the same moral or legal category as those that drive recklessly, you horrid little twit.
Why on God's green Earth should health insurers get to charge people more when they actually need healthcare? Do casinos get to kick out clients that start winning?
Do you even understand how insurance works? If pre-exisitng conditions were not excluded, hardly anyone would buy it until they did fall ill. So you pay $100 a month for your health insurance then, and they have to pay $2k out on you a month. How long would the insurance company stay in business then? Not very long
To address your casino scenario, yes, they DO kick you out if you keep winning. And if you won too much, they ban you for life.
It should be treated like automobile insurance, in that you should be required to have it. You could have 'liability' (read that as catastrophic care only) for less, or 'full coverage' for more.
Depending on your 'driving record' or health, your rates vary. You go years without a 'claim', you get a discount.
Of course, a deductible should be part of it as well.