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Old 02-20-2013, 02:36 PM
 
Location: Ohio
24,621 posts, read 19,165,825 times
Reputation: 21738

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Quote:
Originally Posted by ray1945 View Post
Why on earth should health care - a life sustaining necessity for everyone - be handled by for-profit insurance companies??
Gosh, I don't know......why don't you apply some Critical Thinking to find the answer?

Do you have right to live forever?

No, you don't. And for the same reason, you have no right to health care either.

Back to the Critical Thinking thing.....Are health care resources unlimited? Infinite? Never-ending?

No, they aren't. Health care resources are no different than any other resources on Earth. You have a limited amount of investment Capital for health care; a limited amount of Research & Development Capital; a limited amount of labor Capital; a limited amount of production capacity; a limited amount of money; and many other limited aspects, such as time.

So........continuing our line of Critical Thinking....how do we distribute health care resources in the most efficient manner, since such resources are very limited?

Would a Property Theory help us? Nope. Capitalism, Socialism and Communism are no help here.

What about Economic Systems, like the Free Market, the Command System or the Traditional System?

Yes, they would help us, since the sole purpose of an Economic System is to distribute resources efficiently by addressing three basic questions:

1] What shall we produce?
2] How shall we produce it?
3] For whom shall we produce?

However, since health care is largely a service, and produces nothing...

1] What services shall we provide?
2] How shall we provide those services?
3] For whom shall we provide services?

Since 1939, the health care system in America has been a Soviet-style Command Economic-based System.

It has failed miserably and does a great disservice to everyone.

The solution is to undo the damage caused by Special Interest Groups functioning as the Command Group in a Soviet-style Command Economic System, by eliminating coercive laws and regulations.

Approximately 3/5ths of the World still operates using the Traditional System (or an hybrid). These are mostly tribal and clan based societies in the 5 Central Asian States, in Southwest Asia (Afghanistan, Pakistan, India, Bangladesh etc). Southeast Asia (Burma, Laos, Cambodia, Vietnam, Thailand, the Philippines), African States (including Northern Africa and sub-Saharan Africa), South America (Brasil, and the areas along the Andes Mountain Range), and North America (a small number of tribal groups in Canada and the US).

The beauty of Economics and Economic Systems, is that they are the answer to the Questions.

1] What health care services shall we provide? Tradition will decide.

Well, traditions are great for a clan or tribal-based society. That might even fly for a nation. Possibly even for a nation-State, but for a country as diverse and heterogeneous as the US, that would never work.

1] What health care services shall we provide? The Command Group will decide.

Like Socialist Property Theory where the Agent of Socialism need not be the government, the same is also true for the Command Economic System. The Command Group is often the government, or an oligarchy or bureaucracy within the government, but not necessarily so....it can be any group....any quasi-governmental organization, non-governmental organization, or a Special Interest Group.

In the United States, the primary Command Group is a Special Interest Group, namely the American Hospital Association.

1] What health care services shall we provide? The American Hospital Association will decide.

That became reality in 1939, when the American Hospital Association began dictating to member-hospitals what health care services it must provide for its pre-paid hospitalization plans, and also dictated the price of those services. The American Hospital Association organized member-hospitals into groups to compete against non-member hospitals in an attempt to gain Monopoly Control over health care in the United States.

3] For whom shall we provide health care services? The American Hospital Association will decide

That also became reality in 1939. When the American Hospital Association grouped hospitals together to stifle competition and stamp out non-member hospitals.

Those hospitals operating under the aegis of the American Hospital Association would provide services to any person who had a pre-paid hospitalization plan from another member-hospital....

...but not from a non-member hospital.

That's where your stupid "Out-of-Network" restrictions, fees and charges come from.

The "Out-of-Network" scheme was solidified in 1946, when the American Hospital Association's committee that controlled and interfered with health care officially became the Blue Cross health insurance company.

1] What health care services shall we provide? The [Free] Market will decide.
3] For whom shall we provide health care services? The [Free] Market will decide.

But that is not happening.....it has not been happening since 1939 (actually since 1933).

The Market consists of Consumers of various classes: individuals, households, groups, businesses and even government.

You --- as an individual Consumer and part of the Free Market -- should be deciding what health care services are provided for you...and perhaps your family....but not for me or anyone else.

2] How shall we provide health care services? The American Hospital Association will decide.

Without your input, knowledge or consent, the American Hospital Association decided that your health care services should be provided through your employer.

What does the Free Market say? The Free Market --- individuals, households and such -- would prefer to obtain their health care services through their own choosing....but that right was taken away from you.

Why aren't you mad about that? In fact, why aren't you angry that groups like the American Hospital Association are interfering in your life and taking away your right to choose?

Because the American Hospital Association took away your right to choose, many Americans were left without health care plans....and that caused another Command Group to interfere....your government.

Your government sided with the American Hospital Association and agreed that health care should be provided through your employer, and then your government did this...

2] How shall we provide health care services? The Government will decide.

....and that's how you ended up with Medicare and Medicaid.

Which brings us to this...

3] For whom shall we provide health care services? The American Hospital Association and the Government will decide

Again, that's why you have Medicare and Medicaid. If you had this....

1] What health care services shall we provide? The [Free] Market will decide.
2] How shall we provide health care services? The [Free] Market will decide.
3] For whom shall we provide health care services? The [Free] Market will decide.

...then everyone would have health care services, and there would no need for Medicaid or Medicare, or any other stupidity.

The minute you stop violating the Laws of Economics.....you find that your life is so much better....and that health care is affordable and available to everyone.

But let's not beat around the bush or mince words: You and everyone like you are being incredibly disingenuous, and worse than that, totally dishonest.

This....

$6 for 21 Days of Hospitalization

...was the terms of [one of] the first employer sponsored health care plans (between Baylor University Medical Hospital and Dallas Public Schools in 1929).....and it is insurance.

What the American Hospital Association did via its lobbying efforts for changes in the IRS tax code in 1954 was this....

$6 for 21 Days to Unknown Number of Days of Hospitalization

....and that is not insurance --- that is fee-for-service.

This is what Obamacareâ„¢ does....

$6 for Infinite Days of Hospitalization

....and that is not insurance either.....that is stupid and costly.

Which brings us to the disingenuous and dishonest nature of cry-babies, because what you really want is this...

$1 for Infinite Days of Hospitalization

....and the sad thing is that you have this misguided false belief that Euro-style health care systems work just like that --- they don't.

I'm part of a minority school that says any combination of health care spending and government spending that is ~>= 50% of the GDP results in stagnant/recessionary economies.

The cost of health care is the same all over the world. What appear to be differences in cost, are not really differences at all, rather they are relative differences related to the purchasing power, cost-of-living, and other economic factors, especially as they relate to Capital....WorkingClassHero points that out quite often.

If you do doubt even for the slightest second.....

Expenditure of selected health care functions by providers of health care, per inhabitant [hlth_sha1h]

Last update 25.10.11
Extracted on 06.01.13
Source of Data Eurostat
UNIT Euro per inhabitant
ICHA_HC Health care expenditure
ICHA_HP All providers of health care

Romania.......310.39
South Korea....... 837.74
Slovakia....... 1,060.60
Denmark....... 4,643.97
Switzerland....... 5,215.64
Norway....... 5,343.49
Luxembourg....... 5,438.46
United States....... 5,684.68

I just totally trashed every argument for universal care. How about that? I'm not done....having trashed the argument, now I will burn it....

UNIT Euro per inhabitant
ICHA_HF General government

Romania....... 241.10
South Korea....... 473.18
Slovakia....... 690.87
United States....... 2,657.86
Switzerland .......3,114.60
Denmark .......3,775.17
Luxembourg .......4,105.86
Norway .......4,195.13

Having trashed and burned the argument for universal health care, I will bury it...

UNIT Euro per inhabitant
ICHA_HF Private household out-of-pocket expenditure

Romania .......63.95
Slovakia .......268.80
South Korea .......271.69
Denmark....... 611.68
Luxembourg .......680.76
United States....... 697.13
Norway .......805.54
Switzerland....... 1,590.18

No, I didn’t stutter…..those are out-of-pocket expenses.

Database

Source: EuroStat - The European Commission of the European Union.

What Euro-States do....well, I just let the German Minister of Health explain it to you in his own words...

"In the past 20 years, our overriding philosophy has been that the health system cannot spend more than its income." -- Franz Knieps German Minister of Health (2009)

Virtual budgets are also set up at the regional levels; these ensure that all participants in the system—including the health insurance funds and providers— know from the beginning of the year onward how much money can be spent. -- Franz Knieps German Minister of Health (2009)

Health care is pointless.....it consumes resources and provides very little in return --- assuming you look at it from an objective point of view. You cannot eat health care; cannot put health care in your car and drive it; cannot heat your home with health care; cannot power your country with health care; cannot wear health care; and you cannot trade health care.

Nonetheless, health care is necessary to a point, and that point is about, oh, I don't know, ~8% of your GDP.

More than that is harmful to your economy. Health care in Europe is not cheaper nor does it cost less, but they do spend less, and the reason they spend less is because they budget less.

Again, if you do doubt for even one second.....then read and weep...if you have the courage...

Lung cancer treatment waiting times and tumour growth.

Therefore, 21% of potentially curable patients became incurable on the waiting list.

The delay between the first hospital visit and starting treatment was 35-187 days (median 94);

Limited access to specialists is the reason most often advanced for the poor performance of the UK in treating lung cancer. This study demonstrates that, even for the select minority of patients who have specialist referral and are deemed suitable for potentially curative treatment, the outcome is prejudiced by waiting times that allow tumour progression.


US National Library of Medicine National Institutes of Health

Lung cancer treatment waiting tim... [Clin Oncol (R Coll Radiol). 2000] - PubMed - NCBI


The risks of waiting for cardiac catheterization: a prospective study

However, only 37% of the procedures overall were completed within the requested waiting time.

Interpretation:
Patients awaiting cardiac catheterization may experience major adverse events, such as death, myocardial infarction and congestive heart failure, which may be preventable. Our findings provide a benchmark by which to measure the effect of increased capacity and prioritization schemes that allow earlier access for patients at higher risk, such as those with aortic stenosis and reduced left ventricular function.


The risks of waiting for cardiac catheterization: a prospective study
Mortality on the waiting list for coronary artery bypass grafting: incidence and risk factors


Helena Rexius, MDa, Gunnar Brandrup-Wognsen, MD, PhDa, Anders Odén, PhDa, Anders Jeppsson, MD, PhD*a


a Department of Cardiothoracic Surgery, Sahlgrenska University Hospital, Gothenburg, Sweden
Accepted for publication May 2, 2003.
* Address reprint requests to Dr Jeppsson, Department of Cardiothoracic Surgery, Sahlgrenska University Hospital, 413 45 Gothenburg, Sweden
e-mail: anders.jeppsson@vgregion.se

BACKGROUND: Insufficient capacity for coronary artery bypass grafting results in waiting times before operation, prioritization of patients and, ultimately, death on the waiting list. We aimed to calculate waiting list mortality and to identify risk factors for death on the waiting list.

If Euro-States truly are paying the full cost of health care, then why are there waiting lists?

Why do people die waiting to get treatment?

Why do European and Canadian governments ration health care?

Why do European and Canadian governments deny health care treatment?

Why do European and Canadian governments delay health care treatment?

Why do European and Canadian governments dilute health care treatment to the point of being totally ineffective?

If those governments were paying the true cost of health care, none of that would happen.

But they cannot afford to pay the true cost, and so people die.

Your question was....

Quote:
Originally Posted by ray1945 View Post
Why on earth should health care - a life sustaining necessity for everyone - be handled by for-profit insurance companies??
What I'm smelling is that you would rather have your government deny you treatment, delay your treatment, or dilute your treatment, instead of having for-profit insurance companies spend $8 Million treating you before cutting you off.

That makes a whole of freaking sense: "I'm mad because for-profit insurance companies spent $8 Million to treat me and then cut me off, so I want a national health plan so the government will spend $0 before cutting me off."

Aren't you the brilliant one.

One more thing.....what gives you the right to consume more heath care resources than anyone else?

Asked and answered...


Mircea
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Old 02-20-2013, 03:01 PM
 
Location: Beautiful Niagara Falls ON.
10,016 posts, read 12,578,968 times
Reputation: 9030
Quote:
Originally Posted by kidkaos2 View Post
And you don't think that government inefficiency and overhead eats up a huge % of healthcare dollars under a single payer system? Delusional.
That is ONE BIG ISSUE that Americans just can't get their heads around. You see our government has almost NOTHING at all to do with running the healthcare system. In Canada we have had almost since the beginning of our country something called a, "Crown Corporation". These public corportations operate in many many fields. Everything from nuclear energy, oil and gas, transportation, insurance, telecoms, electrical generation and distribution amd many more. These public entities operate at arms length from the politicians and politicians monkey around with them at their peril. The only time you see governmental interference in fact is when things are not going well. I have worked for a crown corporation and let me tell you this. They were so thing with their money they squeaked. The politicians expect 5 dollars worth of goods and services for every buck they contribute. That is the way it is in the healthcare corporations that run the healthcare in each region. Sure they are financed by the health ministry but they run an extremely lean machine. They are constantly looking for ways to become more efficient and get more and better results for the money spent. For example, in Ontario the health ministry has just decided that it would make way mose sense to open specialized clinics for many things presently done in the hospital. These proceedures will cost less to perform and outcomes should be better since the level of expertise should be higher in a specialized setting. These clinics will be privately owned just as almost all of our labs already are. They will really only have one client though because the health ministry will be the ones who pay the bills. Many Americans think we have some kind of socialist system but that is far from the truth. What we have is a pragmatic system and because of that, if a private operator can provide a service as good or better at a lower cost then great, let them. It's the same thing with most of our Crown Corps. If the private sector can do better then we will most often sell that corp. to them. The nuclear power site I worked at is a case in point. They became arrogent and unaccountable. They thought they had their little fief and no one could tell them what to do. Well, the government got fed up and sold the whole shebang.
Another aspect of our Universal healthcare system that most Americans don't understand is that healthcare is 100% a provincial responsibility. The feds have very little to do with it at all. What was done way back at the beginning of it was the federal government passed a law called "The Canada health act". It makes me laugh to thing the Canada health act with completely revolutionized the entire industry is only 23 pages in length. Can you imagine? In the USA it would have to be 5000 pages and no one would be able to understand it. Anyway, this act sets out the minimum levels of services each province MUST deliver in their healthcare regimes. If they do not, the federa government will withhold from them the money they funnel back to the provinces from the federal income tax. Very simple really.
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Old 02-20-2013, 05:16 PM
 
Location: Portland, Oregon
46,001 posts, read 35,180,801 times
Reputation: 7875
Quote:
Originally Posted by July 8th View Post
If there is not money in the pot they can't pay claims. If they offer more benefits than money they take in and can make they cannot pay claims. You cannot pay out more than you have. Unless your the federal government and then you can run up bills that the tax payer's will have to pay one day when the game ends and there are no more government benefits. It's coming.
Then why have insurance to begin with if they aren't going to cover anything to begin with and are just gonna find a way to drop you and slap you with a "pre-existing conditions" label.
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Old 02-20-2013, 05:28 PM
 
7,300 posts, read 6,733,220 times
Reputation: 2916
Quote:
Originally Posted by Little-Acorn View Post
Some people seem to have a very strange view of what insurance companies do. They point to the problem of people who have a pre-existing condition, trying to sign up for new insurance, only to find the insurance companies won't pay for the the treatment for that pre-existing condition.

Of course they won't. That's not what insurance companies do. Whoever said they did?

Insurance is a gambling game where you bet on what will happen in the future. You "bet" that you will get sick or injured, and the company "bets" that you won't. If you get sick or injured, the company pays you the stipulated amount (paying for a portion of your medical treatment etc.), and if you don't, you pay them (premiums). The purpose is to shield you from the "shock" of suddenly and unexpectedly getting hit with huge medical bills... which is why you agreed to the contract.

A pre-existing condition cannot be insured against. It's like betting on the outcome of a horse race that's already been run - there is no "chance" involved, and no "unexpectedness" to the outcome (any more). Or like trying to get car insurance after wrecking your car.

Insurance companies are in the business of selling security - the assurance that you won't be suddenly bankrupted by huge medical bills, rehab bills etc. in the future. They do it by insuring huge numbers of people and getting them to each pay relatively small amounts (their premiums) each. They and their clients all know that most of them will never incur the huge medical bills they are worried about. But since no one knows which few people WILL incur them, they are all happy to pay the premiums, for the knowledge they won't have to pay the huge amounts if they turn out to be the unlucky ones.

Insurance companies sell safety from FUTURE possible disasters. And that's all they sell. Asking them to cover pre-existing conditions, is like asking a submarine designer to design a supersonic jet - it's got nothing to do with his business or his area of expertise, and he never volunteered to design jets in the first place, for good reason.

If you want to set up some kind of universal pool to pay for pre-existing conditions, fine, go ahead. But why drag insurance companies into it? It's got nothing to do with their areas of expertise, and they never volunteered to do it in the first place - for good reason.
Do you own an insurance company?

As for the pity party for health insurance companies, here's this for you. They're making record profits:

http://www.nytimes.com/2011/05/14/bu.../14health.html
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Old 02-20-2013, 05:34 PM
 
Location: pacific northwest
419 posts, read 656,480 times
Reputation: 277
Quote:
Originally Posted by Little-Acorn View Post
Some people seem to have a very strange view of what insurance companies do. They point to the problem of people who have a pre-existing condition, trying to sign up for new insurance, only to find the insurance companies won't pay for the the treatment for that pre-existing condition.

Of course they won't. That's not what insurance companies do. Whoever said they did?

Insurance is a gambling game where you bet on what will happen in the future. You "bet" that you will get sick or injured, and the company "bets" that you won't. If you get sick or injured, the company pays you the stipulated amount (paying for a portion of your medical treatment etc.), and if you don't, you pay them (premiums). The purpose is to shield you from the "shock" of suddenly and unexpectedly getting hit with huge medical bills... which is why you agreed to the contract.

A pre-existing condition cannot be insured against. It's like betting on the outcome of a horse race that's already been run - there is no "chance" involved, and no "unexpectedness" to the outcome (any more). Or like trying to get car insurance after wrecking your car.

Insurance companies are in the business of selling security - the assurance that you won't be suddenly bankrupted by huge medical bills, rehab bills etc. in the future. They do it by insuring huge numbers of people and getting them to each pay relatively small amounts (their premiums) each. They and their clients all know that most of them will never incur the huge medical bills they are worried about. But since no one knows which few people WILL incur them, they are all happy to pay the premiums, for the knowledge they won't have to pay the huge amounts if they turn out to be the unlucky ones.

Insurance companies sell safety from FUTURE possible disasters. And that's all they sell. Asking them to cover pre-existing conditions, is like asking a submarine designer to design a supersonic jet - it's got nothing to do with his business or his area of expertise, and he never volunteered to design jets in the first place, for good reason.

If you want to set up some kind of universal pool to pay for pre-existing conditions, fine, go ahead. But why drag insurance companies into it? It's got nothing to do with their areas of expertise, and they never volunteered to do it in the first place - for good reason.
You are so right about this. It amazes me that people don't want to pay for insurance but then they want to be covered when something comes up and they need it. I have a friend - I use the word friend lightly - whose hubby has stage 4 prostrate cancer. She of course now wants to get life insurance on him. She does not believe in paying for insurance like the rest of us do but now that he has this life threatening illness she wants it. Really - who is going to insure someone who has state 4 prostrate cancer. It makes me mad. Why should I pay for insurance for life, healthy, whatever, but someone who hasn't will get the same benefit. NO. I'm sick of these type of people.
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Old 02-20-2013, 06:33 PM
 
1,458 posts, read 1,398,515 times
Reputation: 787
Fantastic post Mircea. Lots of information to look at there. Thanks for the post.
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Old 02-21-2013, 07:31 AM
 
1,458 posts, read 1,398,515 times
Reputation: 787
Quote:
Do you own an insurance company?

As for the pity party for health insurance companies, here's this for you. They're making record profits:

http://www.nytimes.com/2011/05/14/bu.../14health.html

Quote:
But Dr. King said patients were also being more thoughtful about their needs. Fewer are asking for an MRI as soon as they have a bad headache. “People are realizing that this is my money, even if I’m not writing a check,” he said.

For someone like Shannon Hardin of California, whose hours at a grocery store have been erratic, there is simply no spare cash to see the doctor when she isn’t feeling well or to get the $350 dental crowns she has been putting off since last year. Even with insurance, she said, “I can’t afford to use it.” Delaying care could keep utilization rates for insurers low through the rest of the year, according to Charles Boorady, an analyst for Credit Suisse. “The big question is whether it is going to stay weak or bounce back,” he said. “Nobody knows.”
Imagine going to the car dealer and asking for a rebuilt engine because you think something is wrong? How is it a patient can ask for an MRI and get it? What about the doctor?

Skin in the game.
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Old 02-22-2013, 07:34 AM
 
14,292 posts, read 9,678,440 times
Reputation: 4254
Quote:
Originally Posted by lucknow View Post
Another aspect of our Universal healthcare system that most Americans don't understand is that healthcare is 100% a provincial responsibility. The feds have very little to do with it at all. What was done way back at the beginning of it was the federal government passed a law called "The Canada health act". It makes me laugh to think the Canada health act with completely revolutionized the entire industry is only 23 pages in length. Can you imagine? In the USA it would have to be 5000 pages and no one would be able to understand it. Anyway, this act sets out the minimum levels of services each province MUST deliver in their healthcare regimes. If they do not, the federa government will withhold from them the money they funnel back to the provinces from the federal income tax. Very simple really.
That's because the politicians in the US are crooks, liars and thieves. We have over 500 legislators in the federal government, and each one wants to put their own little slice of pork into a bill, or they insert their own small agenda item, to either help some crony or punish some perceived enemy of theirs.

Then our politically partisan voters approve and accept anything the members of their party do, without any questions. Even if last year they vociferously opposed exactly what their politicians are doing today, as long as they are the ones doing it then it's just swell with them.
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Old 10-24-2013, 02:11 PM
 
Location: San Diego, CA
10,581 posts, read 9,783,616 times
Reputation: 4174
Quote:
Originally Posted by Saritaschihuahua View Post
Do you own an insurance company?
Nope, sold it last week. Anything other information you need about my personal situation? Or will you get back to discussing the topic again?
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Old 10-24-2013, 08:49 PM
 
6,993 posts, read 6,338,198 times
Reputation: 2824
Quote:
Originally Posted by Little-Acorn View Post
Some people seem to have a very strange view of what insurance companies do. They point to the problem of people who have a pre-existing condition, trying to sign up for new insurance, only to find the insurance companies won't pay for the the treatment for that pre-existing condition.

Of course they won't. That's not what insurance companies do. Whoever said they did?

Insurance is a gambling game where you bet on what will happen in the future. You "bet" that you will get sick or injured, and the company "bets" that you won't. If you get sick or injured, the company pays you the stipulated amount (paying for a portion of your medical treatment etc.), and if you don't, you pay them (premiums). The purpose is to shield you from the "shock" of suddenly and unexpectedly getting hit with huge medical bills... which is why you agreed to the contract.

A pre-existing condition cannot be insured against. It's like betting on the outcome of a horse race that's already been run - there is no "chance" involved, and no "unexpectedness" to the outcome (any more). Or like trying to get car insurance after wrecking your car.

Insurance companies are in the business of selling security - the assurance that you won't be suddenly bankrupted by huge medical bills, rehab bills etc. in the future. They do it by insuring huge numbers of people and getting them to each pay relatively small amounts (their premiums) each. They and their clients all know that most of them will never incur the huge medical bills they are worried about. But since no one knows which few people WILL incur them, they are all happy to pay the premiums, for the knowledge they won't have to pay the huge amounts if they turn out to be the unlucky ones.

Insurance companies sell safety from FUTURE possible disasters. And that's all they sell. Asking them to cover pre-existing conditions, is like asking a submarine designer to design a supersonic jet - it's got nothing to do with his business or his area of expertise, and he never volunteered to design jets in the first place, for good reason.

If you want to set up some kind of universal pool to pay for pre-existing conditions, fine, go ahead. But why drag insurance companies into it? It's got nothing to do with their areas of expertise, and they never volunteered to do it in the first place - for good reason.
Single payer, universal health care to cover everyone - insurance companies sell only supplemental policies. Takes the burden off the poor insurance companies.
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