re: #118 calochortus

I understand that insurance is based on risk, and that a pre-existing condition is an extremely high risk that offers little profit margin for the insurer; but this is also why I think the health insurance market has it exactly bass-ackwards. For automotive insurance and other areas where they can differentiate voluntary from involuntary factors and so isolate the true risk of insuring an individual, that kind of a system works. But with the amazing complexity that is the human body, wouldn’t it be better to just provide a way of sharing costs between all of us animals, since we’re all going to have conditions and we all need to get them fixed in order to continue to live?