I have always argued that the government’s role in health insurance should be to guarantee that a person, once insured, will always be able to renew insurance without having to take another physical and would get the standard rate offered to all others of his particular age and sex (with possible adjustments for smokers, but not much else).
Couple that guarantee with a one-time grace period where everyone can sign up for a policy without a physical. That is, they would each be able to purchase a policy priced for their age and sex only, no pre-existing conditions to be considered in the pricing. That one-time guarantee would kick in on passage of the law for most of us, and for each individual when they turn 21 thereafter.
And finally, if someone decides not to take insurance during the grace period, they would bear the risk of getting sick and of not being able to get insurance later without paying extra for a rider for a pre-existing condition or, alternatively, having that condition excluded from their coverage. If they, however, get a clean policy after a physical, they can join the group of everyone else guaranteed insurability the rest of their lives so long as they maintain a policy throughout.
Comments?
I'm not psychic or an insider. I just knew if PDJT did nothing and let the marketplace collapse, it would have dire consequences for the conservatives. There needed to be a transition plan and hopefully there is a long-term goal to get the Federal gubermint out of the healthcare business. There is no constitutional basis.