re: Is insurance that covers pre existing conditions really insurance ?

We need to change the pricing model of healthcare to a subscription based model.

Medicare changed the overall pricing model in the eighties. My first health insurance policy paid $100 per day to the hospital and that was it. It paid the doctor's bills but none of these 40 page bills we see today. Somebody had the idea to got to a fee for service pricing model based on individual services and the health care industry started inventing things they could bill for. Medicare is about 50% of our healthcare and providers cannot charge anyone else LESS than they charge medicare so it becomes a floor for medical pricing that is ever increasing as providers lobby bureaucrats and Congress.