Anti-health reformers WON'T guarantee insurance w/ pre-existing conditions. WTF!?

I AGREE. And while we're at it I'm tired of paying for car insurance year in and year out without an accident. I think we shouldn't have to buy auto insurance until we need it. Also homeowner's insurance. I want to buy that the day after my house burns down. And those pesky life insurance premiums; we shouldn't have to pay them until we die.

I agree on some things and others not.

Adverse selection is for people who CHOOSE not to buy health insurance and then get sick and want it to pay for their medical bills. But many people have never been w/out insurance, be it for auto/home/health ect, then lose their job, cobra and then apply for health insurance and find out that they cant buy due to the laws of the state where they live that EXCLUDES YOU since you have a pre-existing condition.

Insurance should be mandatory for all, if you are healthy or sick. Granted a lot of people have insurance thu the government be it by medicare or medicaid. But there are a lot of people thu no fault of their own, now find even after paying for years for insurance, find they no longer qualified and you are on your own.

The best system they ever came up with was medicare. Everyone pays into the system and your only qualification is that you are age 65. But medicare is going broke, why? because this is a system that takes everyone with pre-existing or not and the biggest cost for medicare other than fraud is the last 2 years of your life, which can be devastating. But since you are over age 65, they pay the claims, whereas the insurance companies are off the hook.

The definition of insurance is the "law of large numbers", meaning you get a pool of people who have no claims that pay for the claims they pay. But the system if you don't have employer insurance is that if you have a pre-existing condition, most states by law will preclude you from buying insurance to protect in an event of a loss.

If the health care reform does not include pre-existing conditions, then it is no reform at all.

WTF, is "adverse selection".

Whenever you guarantee that insurance MUST cover preexisting conditions, you set up for "adverse selection". Who would be stupid enough to pay into insurance, if they could just wait until the day before they wanted to go to the hospital for their surgery?

25% of Americans ALREADY have government provided health care, in the form of medicare or medicaid. If government health care is so great, we should just expand eligibility for the government healthcare we ALREADY HAVE.