Should health insurers be allowed to deny coverage to individuals who have a pre-existing condition?
@9DCZQXDLibertarian8mos8MO
How is it moral to tell any business how they must spend their money?
More practically, forcing insurance companies to cover people with preexisting conditions encourages people to wait until they get sick to purchase coverage, disincentivizes living a healthy lifestyle, and stacks insurers with predominantly sick people thereby raising costs. It is an economically UNSUSTAINABLE policy position.
@PragmaticValentinaDemocrat8mos8MO
Why should healthy people pay higher insurance rates to cover unhealthy people?
car insurance is the opposite
@9G3PX8S 6mos6MO
Discrimination is the basis for insurance. Underwriting is how private companies can offer competing alternatives from one another, and establish niches in the marketplace. Imagine having to make a bet that you are not allowed much information on, and you're almost certain you're going to lose. This is why there are so few remaining health insurance companies. More competing companies would lower prices, increase quality, and increase attractive alternatives to a whole range of situations.
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