The federal government got involved 7 years ago and untangling the Gordian knot is going to take time. I have no intention of paying for people who are so selfish they wait for something to be wrong before the join the insurance pool. These same people will drop it as soon as they are well again. That’s theft
If something is already wrong with someone they shouldn’t be in an insurance pool. Trying to solve the “insurance” problem with people who are already in a position to make claims against it is an exercise guaranteed to fail.
Try this: we have two separate problems:
Problem One: Affordable actual insurance which is actual insurance (no pre-existing conditions).
Problem Two: Paying for the care of people who have pre-existing conditions and are thus uninsurable for those conditions.
Treating this situation as two separate problems is the ONLY route to a solution, which is why all other attempts have failed and will continue to fail. They are simply two separate sets of problems that need separate solutions.