The Disaster of American Health Care - Opinion
there is one aspect of the crazy system that has become a third rail ever since it was introduced by President Barack Obama with the 2010 Affordable Care Act. This is the idea that health-insurance providers cannot discriminate against “preexisting conditions.” The idea is that insurers cannot take health into account when assessing premiums.
That provision alone means that it is not insurance. It guarantees that healthy people will forever subsidize unhealthy people. It means that there is zero financial reward for getting healthy.