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You have to cover preexisting conditions, or you have an ever growing pool of the uninsured. Insurance companies should have only one pool, containing all customers. Anyone should be able to keep their coverage if they want to and remain in that pool. Oh, and lets not forget limiting punitive damages in malpractice cases.

You have to cover preexisting conditions, or you have an ever growing pool of the uninsured.

Your point is that it's unfair not to cover people with preexisting conditions. I disagree. I consider it unfair that my insurance bill goes up because my insurance company is required to insure these high risk people. In other words you are spending money that I worked hard to earn....who do you think you are? Obama???

The better alternative is for people to buy insurance before they have a physical problem. Most policies have guaranteed renewability clauses (as long as the premiums are current). That is an acceptable risk. Otherwise you're doing like a previous poster noted - totalling your car and then trying to get insurance to cover it.

You have to cover preexisting conditions, or you have an ever growing pool of the uninsured. Insurance companies should have only one pool, containing all customers. Anyone should be able to keep their coverage if they want to and remain in that pool.

Insurance is a contract of adhesion, which means one side dictates the terms and the 2nd party is free to either agree or disagree, to accept the terms or reject them. The fact that companies don't want to cover pre-existing conditions is a tell tale sign that the customer has rejected the premium cost associated with that product.

Telling an insurance company what product they have to offer is like telling a grocery store what products they must put on the shelf.

Passing a law that says an insurer must offer coverage for pre-existing conditions is ludicrous. But if you did, you have to allow them to charge a premium rate to that person which is comparable to the risk they are assuming. Otherwise, it isn't business, it's charity. I don't want my insurer acting as a charity organization because we all know the difference is coming out of my pocket.

Health care and/or insurance isn't a right, it’s a privilege to be paid for by the recipient!

You have to cover preexisting conditions, or you have an ever growing pool of the uninsured.

The opposite is true. If pre-existing conditions are covered, why would anybody pay to have insurance UNTIL they discovered such a condition. Likewise, why would I insure my house against fire if I could buy fire insurance after the fire and get covered for the fire?

You have to cover preexisting conditions, or you have an ever growing pool of the uninsured.

I have not had to buy insurance for the past 12 years, but back when I either was changing employers; unemployed and uninsured; or buying a private (not group) policy, preexisting conditions did not preclude buying health insurance; it just either would not cover the particular condition(s) at all, or would exclude them for a set period of time.

Even in the auto insurance analogy, I have been able to insure a used car with existing damage, AFTER the adjuster documented and excluded that particular damage from being covered. Health insurance works the same...or did.