re: Covering preexisting conditions...

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Honestly I don’t disagree with you. But what would you propose though?

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The problem with using insurance for health care is that it doesn't really function as insurance. Especially not when you have government requiring sick people be granted coverage.

Two ways to go IMO depending upon whether you are a socialist or a capitalist.

1. Nationalize health care and have public clinics/hospitals alongside private clinics/hospitals. Can't afford private care? Go to a public clinic.

Health insurance would still exist in this model for the private sector, but it wouldn't be the only way care would be possible and not everyone would choose to have it. This is what we do with the educational system and there's no reason we couldn't do it with health care.

2. HSAs for non-emergency care attached to a super high deductible insurance policy that only kicked in for truly rare/expensive issues. Everything else gets paid for by the HSAs. Government could fund HSAs for poor people and there could be incentives to manage the money well, such as after a certain period of time and above a certain balance, a certain amount of the money could be withdrawn as cash.

Neither gets rid of insurance completely, but it minimizes the effect.

The problem with insurance is that any time you have one entity who provides a service, another entity who receives the service, and a 3rd entity who pays for it, costs will necessarily balloon. You think your doctor is working for you under an insurance model, but you'd be wrong. He or she works for the insurance company. If you doubt it, ask them for an accurate accounting of the man-hours spent by either them or members of their staff preparing notes and submitting and following up claims with the insurance company vs time spent with you.