The comparison of health insurance to car insurance is a red herring.
Car insurance is required to ‘protect the other guy’
i.e. who you might crash into,
or who you have the car financed through.
Car insurance does not allow for ‘pre-existing conditions’.
Car insurance rates are based on the value of the vehicle,
the driving history of the insured,
the zip code where you live, and how much driving you do.
The analogy of trying to compare health insurance to car insurance is fatally flawed.
Medical insurance is required to ‘cover the other guy’s problems;
i.e. who you might give a disease to;
or who you have the plan financed through;
Medical insurance now allows for ‘preexisting conditions’;
Medical insurance rates are based on the value of the person based on government criteria;
the medical history of the insured;
the zip code where you live, and how much medical resources you consume.
In the small print see section 12883 par. 252a1c where it says: if a person is over 65 and has medical problems, they are not covered for any procedure over $500.00, or a lifetime total expense of $550.00. Total non-reimburseable benefits are limited to one free pain pill, plus the ‘end of life’ pill is free.