Insuring pre-existing conditions

That is the only good thing about the ACA, IMO. Everything else is bullshite.

I really think people miss the point of what health insurance and insurance in general is.

Insurance, specifically health insurance, is a hedge bet against an unexpected significant health expense in the future.

It's not a coupon or savings voucher for health/medical related bills. It's not a discount plan for health costs. It's not a way to get health care treatment cheaper.

It's a hedge bet.

People fail to realize this IMO and that misinformation has influenced people in the entire health care debate.

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That is the only good thing about the ACA, IMO. Everything else is bullshite.

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I sort of agree. I also think a super-majority of Americans are in favor of insurance for those with pre-existing conditions. And clearly, if you are going to have it, then it must come with a mandate, or else you will get a bad gaming of the system.

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I wish people could get insurance on pre-existing damage on their car from a wreck.

I wish people could get fire insurance on a pre-existing pile of ashes that used to be a house.

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This is also a good example

I think that the problem is that people expect health insurance to cover everything, and if they don't have it they can't get any type of care.

Wrong, you can still get treatment but you pay out of pocket. In many instances this can be cheaper and save you money, especially if you are young and healthy. 2 doctor visists a year x $125 = $250, while having health insurance premium of $100 a month x 12 = $1200. It's cheaper in that situation to go without

Which is why I believe the problem is that the market has been saturated with people who have insurance. IMO health insurance should only be for major events like broken bones or surgeries. Not routine checkups/visits and regular prescription refills.

Because insurance has saturated the market the insurers and the medical service providers can collude to raise prices. Because everyone has insurance, they don't know how much things cost becuase "my insurance will just take care of it". This is why prices are high. If more people paid out of pocket, prices would go down.

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Well, the idea behind his statements is the entire issue. It is no longer insurance if the event already happened.

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The point is a society should want the back luck of the few to be spread amongst a huge population. We're not talking about cars, we're talking about people. The default position if you don't want pre-existing conditions insured is bankruptcy based on bad luck and not bad decisions.

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I wish people could stick to the topic without resorting to asinine irrelevance.

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Which is why I believe the problem is that the market has been saturated with people who have insurance.

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This. Third party subsidized payment has only accelerated price increases.

Makes sense. If a patient can afford $1000 for a surgery and insurance pays $1000 for the surgery, any good business man will make the price $2000.

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The point is a society should want the back luck of the few to be spread amongst a huge population.

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No. They shouldn't. There are countries for that. I hate that ours is becoming one of them...