I agree completely. And as someone pointed out recently, that’s why we have insurance. If I develop an abrupt illness I will be covered. But insurance premiums need to be commensurate with the risk. A preexisting condition for example, adds risk. Some lifestyles add risk. The broader the insurance market the better it will cover those risks in various cost effective ways.
Understood. However, besides my parents paying for my health insurance for 18 years. I paid for my own insurance without ever lapsing for close to 40 years before developing cancer. I’m not supporting that I should pay more now.