[YogicCowboy]

I agree (and I do so).

My nascent conservative instincts were right in my youth: I could not understand how people could expect insurance to pay for everything, and how doctors could then charge the insurance companies whatever they wanted.

It seemed to me to be removed from reality.

It was.

[ConservativeMind]

If “insurance” pays for pre-existing issues, it is actually called a “benefit.”

Insurance is technically for events which have yet to happen, based on the odds of the event happening, with your risk determined by your past and present circumstances. This would mean that for pre-existing conditions to be met, your premium would have to reflect the cost of all of your pre-existing concerns.