I agree. As long as the Pre-Existing-Conditions-Crowd (PECC) has to be covered by the insurance industry there will never be affordable health care. So spreading those costs out at the Federal and State levels makes some sense.
But don't ignore the fact that many of the PECCs have brought on that "pre-existing condition themselves by reckless eating and drug habits and other lifestyle choices. We are paying for those folks as well.
While I agree a large percentage of PEC's are self inflicted, something needs to be done. For example, my son was diagnosed with Type 1 Diabetes at age 13. Nothing he did wrong, his pancreas just stopped working. What is someone like he supposed to do if he lost his job or whatever? Should he have to stay in a crappy job to not lose insurance? Or should he give up the dream of entrepreneurship because he cant afford his own health care? He misses his meds and in a few days, he's dead. And insulin, test strips, needles, etc arent cheap unfortunately! . Just dont know the right answer either. There is some happy medium between not making the lazy lazier, and helping out those who through no fault of their own, are what they are.