Those are not very good analogies.....someone with a pre-existing condition is not asking for an insurance company to pay for the surgery they just had....while insured with another company. They are seeking insurance going forward...some pre-existing conditions will not require any major payouts going forward and some will. It is not right that a person (and their family) who has played by the rules has to go bankrupt because of something they never wished on themselves, and the insurance companys refuse to cover in the pool going forward.
Why should I have to pay for someone else’s chronic (i.e., not acute) medical condition? Insurance, by its very concept, is to obtain protection (i.e., coverage) against the POSSIBILITY or RISK of loss, and it is NOT intended to pay or indemnify someone for something that is already a loss. Thus, I have no problem sharing in the pool for someone’s CHANCE of suffering a loss (and that person shares in the same pooly for MY chance of suffering a loss), but I’ll be damned if I have to pay towards someone else’s already existent and ongoing loss, as that would not be insurance, but would be extortion.
Oh, by the way: I am a cancer patient. I developed my disease after I had been insured for years. If I lose that insurance coverage, I would not expect anyone to have to bear larger premiums to cover my joining another insurance program.
Being able to move coverage from an existing plan to another is perfectly acceptable. That is no where near what I was discussing. I am referring to the low life vermin who spend their money on everything for their pleasure then when they have some illness think for some reason they should be able to purchase insurance. Screw them all.
Don’t allow the media communists to distort this all important difference.
A simple law, which actually exists in some states, to mandate that a person who is covered for a condition under company A to change coverage to company B is all that is needed not a 2000+ page document which does nothing but create another government program filled with typical government workers gleaned from every marginal sub group via preference in hiring programs.
The commies have distorted the dialog to such a point where too many people, even some Freepers, actually think there is a right to insurance. I maintain that health care costs would be much lower if true market forces were in play. Insurance just is carte blanche for doctors/hospitals to increase costs at a rate much higher than inflation.
Outstanding answer.
:D