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IMO...... Let's not kid ourselves here. Pre-existing conditions are a real problem for many. Whatever the ultimate solution is for the financial end of healthcare, this will have to be addressed & corrected.
As much as I support free enterprise, competition and yes, capitalism, I could also spend a week sharing what I don't like about insurance companies, most of all medical insurance.
I feel their industry can be left intact, stable and secure and problems like this worked through. Well frankly it has to be, because in the long term, Government Dictated Healthcare is even more damaging.
Mike