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Except we still have this legal requirement that health insurance plans have to accept pre-existing conditions. That’s not insurance.

Yep. More and more healthy people will simply leave the plans, forcing costs to skyrocket to the point that only those with pre-existing conditions can afford it. It then becomes like dental insurance, which basically just divides the cost of your visits into monthly payments.

And health care costs, themselves, will be forced down accordingly. It will become a commodity where most of your doctors are immigrants.

I’ve noticed here in Kentucky an explosion of small, brand new health clinics being built.

It then becomes like dental insurance, which basically just divides the cost of your visits into monthly payments.

Dental care though is quite the racket. Like health care, it's beyond the expertise of its consumers and subject to all manner of scams. Insurance at least provides a check on this tendency. Converting health insurance into pre-paid health care removes the need to control costs. The difference is that insurance providers have to try to predict the future, set rates based on those predictions, then hold cost down in order to meet those predictions. But with pre-paid health care they just add up the bills and divide them between their subscribers. It's basically socialized medicine with private administration.

It's great that we got rid of the individual mandate, but until we get rid of the pre-existing condition requirement I think we're still on the road to socialism.