Garhkal, your first sentence you agree with me and disagree with Hankering. The health insurance companies should not deny people with pre-existing conditions the chance to purchase health insurance in the individual market.
That MIGHT be true Flight. BUT it should not have come by the govt DICTATING to them 'you WILL insure them via US FORCING everyone else to be insured, so you can spread the cost around.
Originally Posted by garhkal
Let's take a look at your second sentence. The health insurance companies can offer the cheapest premium when the risk pool is balanced. If the risk pool is not balanced one of two things will happen, the price of the premium will spike or the health insurance company would simply go out of business. The health insurance company can't turn a profit on a negative risk pool. It's not mathematically possible.
The question for you is how will the health insurance companies get a balanced risk pool?