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I am an insurance agent. I am conflicted here.
The Federal Government ABOLISHED the “High Risk Pools” which existed, in some form, in every State of the Union prior to Obamacare.
I think the long term answer is to “keep” Obamacare as a National High Risk Pool, ONLY!
-— And let the rest of us go back to normal, old fashioned, medically underwritten health insurance.

Obamacare abolished the State Programs. The Federal Government, unfortunately, must now “fix” that problem.

Having said that, many of the people that I assistd with the State “HIgh Risk Pool” needed that service due to no fault of their own, the COBRA ran out, etc. However, MANY were alos irresponsible people who thought they were “bulletproof” and then demanded coverage AFTER they got sick.

No plan can change human nature. That is the biggest problem with Obamacare, as it attempts to change human behavior.

However, let us be realistic about our “end game” here. Allow Obamacare to “survive” as a National High Risk Pool. Eliminate the mandates and penalties for the rest of us who are healthy.

And by the way: The Courts might well be on the way to doing this at the Federal Exchange level.

...State “HIgh Risk Pool” needed that service due to no fault of their own, the COBRA ran out, etc.

When I transitioned off COBRA to private insurance I didn't have to worry about my pre-existing condition, since the law mandated that private insurers take people from COBRA without regard to pre-existing conditions.

It's amazing how many people (politicians) pretend that this law hasn't existed for the past 20 years or so.

Let’s face it, it’s tough for those who have pre-existing conditions. I’ve always felt we should do something for them, just like we should help the truly poor and ill.

Unfortunately, that is not the way government works. As long as there is candy in the candy store, immoral government types will find a way to siphon it off into their pockets. I’m always amazed to find out what we are subsidizing - for instance, why should we be paying for birth control? That’s a living expense, not like taking care of, for instance, a poverty stricken person’s cancer.