This isn’t like asking an auto insurer to take on, or not charge more for, people who have been in accidents in the past.
This is more like getting into a car accident and then applying for car insurance and asking the insurance company to pay for the accident that already happened.
It’s not a risk of loss, it’s a loss.
That’s not what insurance is.
Insurance is the pooling of risk. The actuarial tables say that out of 100,000 people, X% will get cancer, Y% will develop some other malady, etc…., and the premium rates are designed to ensure a modest operating profit if something slightly over the actuarial risks occur.
A pre-existing condition means that person is 100% likely to have the problem thus incur the costs. A few of those really throws off the model – 28 out of 1,000 is very different from 30 out of 1,002, when you consider that the premiums paid by everyone are supposed to offset the high costs incurred for the handful that do become ill.
Thus if you’re already sick, what you seek isn’t insurance in case you become sick – you aren’t seeking to transfer a low risk that you’ll become sick in exchange for a low premium.
It’s like walking into a casino with your own cards, putting down an Ace and a Queen and saying you hit 21.
Mark are you new to Y/A? The choice here is among soapbox sermons, questions about government cheese, fistfights between politicians, questions about what you’d say to Jimmy Carter, and posts quoting the Koran being deleted for being anti-Islamic…
"I dont know what you are implying. Do you think people should have to pay out of their own pockets for their health needs??"
Well, who else is going to pay for them????
Why do you think you have the right to make other people pay for you?
Imagine, what a novel concept, people paying their own way……
No!