Southern Chicken
Verified User
I never have understood the mandate to cover pre-existing conditions. If you are obtaining insurance to cover a condition that already exists, you aren't really purchasing 'insurance' are you? Insurance is supposed to 'insure' you are protected in case something happens, not pay for something that has already occurred. You can't wait until you have a car wreck, then call the insurance agent and buy insurance to cover your damages. You can't call and get fire insurance as your house burns to the ground... why should you be able to get health 'insurance' to cover some health condition that already exists? And if that IS the case, doesn't the insurance provider have to compensate for the unlimited liability by charging higher premiums?
What we have is, a bunch of emotive liberal Utopian dreamers, who expect "the government" to just provide everything our hearts desire, based on sheer emotion and ignorance of economics. You expect capitalists to not make profit, yet still risk their money to invest in business and create jobs. You expect wealthy people to forfeit most of their income, while continuing to go out there and earn incomes. You expect doctors and hospitals to work for free, because they love helping sick people. You expect the military to protect us from our enemies without any funding... And here, you expect insurance companies, who offer a product, to change the parameters of risk vs. cost, because you think it's possible to have everyone covered by insurance for every possible condition and every possible circumstance. Somehow, you have deduced that such an idea will bring down the cost of health care, even though, nothing has been done to even begin to address the cost of health care, and the measures you are implementing will drive up the cost of insurance to the point no one can afford it. Then, we'll have to depend on government to dispense health care.
That is one of the aims of the regulation; the regulation can't be said to be effective if it doesn't reduce the cost of healthcare. Coverage was being denied for pre-existing conditions because people were getting funds from a system they hadn't paid into, which would increase the cost of healthcare for those in the system. In order to both make sure that patients aren't discriminated against and reduce the cost of healthcare, a mandate is necessary... not just convenient. Again, In order for the regulation - prohibiting denial of coverage for pre-existing conditions - to be effective, the mandate is necessary. The Necessary and Proper Clause allows the Federal Government to go beyond the scope of it's authority if doing so is necessary to make a particular legitimate regulation effective.