About Pre-Existing Conditions in Obamacare

Health care isn't free.

Someone has to pay for it.

Pre-existing conditions do afflict a great number of people in our country.

No question about it.

Yet health insurance companies exist and maintain themselves in pooling risk with reserve funds, in part betting on the lesser likelihood of something bad happening to a client.

Insurance companies which require too little in funds or take on too much in terms of liability will find themselves overwhelmed with costs and go out of business.

Then no one would have insurance at all.

An individual with a pre-existing condition will automatically require disbursements from the insurance company. Those individuals will incur a large cost right away from the insurers and the insured.

Someone has to pay for those costs.

For that reason, most insurance companies do not take on clients with pre-existing conditions, because they have a 100% of drawing from the insurance pool.

The solution to this "discrimination" is not to bankrupt insurance companies, but rather focus on the reason why health care costs are spiralling out of control in the first place.

Let's talk about the third-party mediators, the insurers themselves, who permit clients to pay a set sum then take as much as they want.

Because individuals are not assessing nor taking on the true costs of health care, they do not shop around, they do not engage in wise economic practices to get whatever care they need.

Furthermore, why don't hospitals simply supply a guide which explains the costs?

Even though legislation requires something to take place, that does not mean that the supply will be there.

Law demands, but the supply of needs, goods, and services cannot be met with force. Free trade, agreement to transaction, and a reasoning mind which respects costs and benefits will engage individuals to take on their health care costs without it costing them everything.