re: #120 thedopefishlives

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?

That’s what government is for. Unfortunately we have a major party and a couple of population cohorts now who want to eradicate government.