re: .

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Personally, I think pre-existing coverage should be in it's own separate pool and everyone with PE pays a separate rate aside from their insurance rates. I am for providing assistance to help lower medical costs for those with PE, but i do not want that on my insurance bill.

PE is not insurance. PE is a known illness. Insurance, by definition, is covering the unknown.

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This is exactly how every other type of insurance works: life, auto, homeowners, e&o, malpractice, liability, commercial, etc.

The more risk you present to a company (i.e., the more likely it is they will have to pay for a covered loss) the more they charge you in annualized premium. Insurance companies spread their risk by establishing large, homogeneous groups of people with similar risks and charge them similar rates.

Health insurance does not work like this. The companies cannot assess risk, so instead of grading people into rates of Preferred, Standard, or Qualified, everyone gets put into standard or qualified rates.