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Preexisting Conditions

I get angry sometimes at how stupid people are.  It may be that I am smarter–at my best–than most people, but there are many issues that really aren’t that complex.

Coming to a health insurance company you have paid no premiums to, and with whom you have no previous relationship, with cancer, is no different than coming to a car insurance company you have never paid a nickel with a car you just wrecked, and asking them to pay for it.

Insurance is risk-pooling.  Once a risk has become manifest, it is not longer risk-pooling: it is charity.

Without exaggeration, I can say that Obama, by forcing insurance companies to pass the costs along of people who were either unable to purchase insurance policies (because of Democrat and Union sponsored legislation prohibiting selling directly to end users, as in California), or unwilling to so, is adding the insurance premiums of everyone else to the Welfare roles of this country.  We are subsidizing, more or less directly, those who either made bad choices, or were prohibited by law from making good ones.  Our insurance premiums should literally be seen as a sort of coerced expansion of Medicaid.

One can call this clever, while retaining a clear sense that the underlying psychopathology is profound.  This is nuts.  It is insane.  We have much better options, that work to everyone’s benefit, rather than working to equalize all of us in mediocrity and bankruptcy.

My own treatment of this topic is here.

Feel free to steal from it in whole or part, and use for anything but deception and fraud.  I make no claims of ownership on the contents.