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

Insurance should be insurance, planning for unforseen circumstances. I have an idea-

1. HSA's must be provided by all employers. Employers don't have to contribute, but employees must. A minimum 5% of gross income (or more if elected) goes into it until it reaches $10,000 then employee can opt down to 1%. Employers can be allowed to contribute also, but aren't required to.

2. High deductible catastrophic insurance should be mandatory. Yes, forced insurance.


3. With 1 and 2 in force, there should be no problem with pre-existing conditions.