Yes, but if you have cancer, or have had open heart surgery, or do you weigh 400 pounds and smoke, then you are high risk. Why should someone with a common condition, such as minor and asymptomatic atrial fib, or type two diabetes not requiring insulin, or perhaps a history of chronic migraines . . . why should such people also be forced into the high risk pool. If you leave it to the insurance companies, they will be. And in the past, so if insurance was very expensive. It makes no sense to put all people with some form of condition, mild or severe, in the same pool, as if they are lepers. If all people with whatever condition are in the same general pool the risk is spread more evenly and efficiently.
Pre-existing conditions cost more money to insure, and certain pre-existing conditions increase the actuarial risk of elevated payout in the future. In the past, these conditions were covered separately via high risk pools. Obamacare forced all insurance to cover every pre-existing condition.
Cost, for everyone, pre-existing condition or no, has absolutely skyrocketed.
They wouldn't be. Unless they were new applicants. Otherwise, they'd be considered "uninsurable". Most responsible people have health insurance. If they develop such conditions as you described, the insurers cover them. that's what insurance is for.
...forced into the high risk pool. If you leave it to the insurance companies, they will be.
WRONG!
It averages about 1% of the insured population, not "everybody". If all people with whatever condition are in the same general pool the risk is spread more evenly
Yes, and with unaffordable premiums, just like ObamaCare.
and efficiently.
With a "death spiral" of ever increasing premiums as healthy people drop out and sicker people jump in (adverse selection)
It's all been tested and proven. You're arguing for the RAT positions of guaranteed issue and community rating.
It's double dumb.