as much as I hate to say it, you are correct. Health Insurance is a method of spreading the cost over a large population where some will always get more benefits and everyone will pay the same premiums. But unlike car insurance, those who file claims are not charged a higher premium.
1. I can see covering those with pre-existing conditions, but IMHO they should pay higher premiums and deductibles than those w/o any pre-existing conditions.
2. I prefer the pre-Obamacare healthcare system, with no deductible instead of the ACA $10,000 deductible. WTF that's extortions not healthcare.
ACA was a terrible piece of legislation that was trying to fix a problem that did not exist. no one was denied medical care before ACA, the vast majority of people were happy with their plans and their coverage. Those of us who paid covered those who would not or could not,,,,,,,,,,,exactly the same under obozocare except that now we also have to pay for a huge inefficient useless government agency.