You’re being unfair to Republicans. They haven’t done crap to replace Obamacare with their own plans, but they have proposed several strong ideas that would solve the problems you bring up. And allowing young adults children to remain on their family’s plans is one that few have tried to repeal.
(By the way... I hate that it’s so easy to be nothing more than jousting opponents on FR. I work for a non-profit where I deal with so many people explaining why they can’t afford to give, and their letters so often read like yours. I pray it never stops saddening me, and much more relevantly, that your loved ones find the help and healing they need.)
Please show me the conservative answer to the specific situations that I’ve outlined.
The pre-existing condition issue gets everyone at some point.
We all get sick. People are surviving cancer and chronic disease at much higher rates because modern medicine is improving. The ‘widow maker’ heart attack that would’ve been the end of a 45 year old isn’t ending his life and that man is living to be 85. T1 Diabetes used to be a death sentence, but now it’s an expensive, high-maintenance disease that doesn’t completely cripple a person and they *can* work, but they can never afford their disease without help.
There *is* no easy conservative answer to this problem. Conservationism hasn’t caught up with the reality of modern medicine.
The closest thing that I’ve seen that could work is the Australia model. They’ve got a crappy, inconvenient public system that people pay a reasonable price to stay out of.