re: Question to libs about prexisting conditions and high risk

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I've never had an auto insurance claim. If I cause three accidents in three months do you think the insurance company should not be able to charge me more because of the new risk I've presented?

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I understand what your saying. But auto-insurance isn't exactly the same as health insurance, especially if you want to compare how premiums are set. For auto insurance, when you have a few claims in a year, you are deemed more risky and your premiums may go up, and whose at fault weighs heavily on this, though some things out of your control, such as if your windshield is constantly getting cracked, can also factor in. You will receive the benefits to cover the costs of those accidents according to your plan.

However, for health insurance, if you get something serious, like cancer, you will need to exercise your policy and file claims for many years or even the rest of your life. That's not exactly the same or similar circumstances as why auto-insurers increase premiums.

Do I think health insurance companies should be able to adjust premiums based on new risks due to something like cancer, that may be no fault of the person insured? No. If I picked up smoking, then sure, because that was my choice. You mentioned in another post that there are other medical conditions that result in person choice, like heart disease. True, but that is a lot harder to prove than who is at fault in an auto accident, which makes health insurance a very different animal than auto insurance. Health Insurers are betting on me and everyone else in their plan paying them in perpetuity and never getting a serious illness, and in most cases, they are right. That's how they make money. They need to pay up when they lose that bet.