[palmer]

A free market would charge more if you wait until you get sick to buy coverage, correct?

You can get your check mark back for preexisting mandate overriding the states. But the reconciled bill could still have the states decide that.

[DoodleDawg]

A free market would charge more if you wait until you get sick to buy coverage, correct?

The penalty is there regardless. Say I'm 21 and newly graduated and leave my parent's policy. I'm uninsured, but healthy. Two years later I get a new job that offers health insurance. Even though I am still in excellent health the insurance company can charge me the premium because I let my coverage lapse.

You can get your check mark back for preexisting mandate overriding the states. But the reconciled bill could still have the states decide that.

We're talking about the Senate bill and what's in it. When and if there is a reconciled bill then we can discuss what that includes and what it doesn't.

[ROCKLOBSTER]

A free market would charge more if you wait until you get sick to buy coverage, correct?

No, they don't insure bad health. The "uninsurables" go to the high risk pool...where they do pay more, but the pool is also subsidized by the industry.