In addition you need something to insure precondition conditions. Find someone over 50 who’s never had a Basel Cell...detached retina....bad knee..depression..you can’t just price these folks out.
Some kind of tapering or phase-in provision is better than nothing when it comes to these thorny issues. I’d like insurance to go back inasmuch as possible to being insurance, not fancy maintenance plans as if your car insurance guaranteed so many oil changes per year.
I agree that some kind of adjustment needs to be made.
However, The whole idea of insurance is that you are purchasing protection for a future illness. A group of people purchase this protection and only a smaller number of them actually will need to use it.
It's sort of like the lotto. A large number of people each put a small amount of money in the pot and the few people that get sick are able to draw on the money to cover the bills. If people are able to draw money out of the pot after they get sick, what would be the incentive to put money in advance?