I hear you but none of that really matters when it comes to this bill and how higher risk people are charged. Right now insurance companies can charge higher risk people more than they charge lower risk people. I haven't seen or heard any evidence that shows this bill changes this or forces insurance companies to charge people with preexisting conditions the same they would a normal healthy individual.
Allow me to explain how this could completely destroy the health insurance industry as we know it. It's due to a combination of the mandate + preexisting conditions clause.
The law will be required you to have health insurance, or simply pay a fine. The fine is expected to be drastically cheaper (according to what i've read) than paying for a health insurance plan. This is where the preexisting conditions clause comes in. That says that i can't be denied health insurance with a preexisting condition.
So, basically, why wouldn't everyone pay the minuscule fine to the government (instead of paying much more per year for health insurance) and simply wait until you suffer that bad accident or contract that bad disease before signing up for health insurance? It basically makes the "insurance" into simply "third party payer of health care bills." Hell, if i contract a deadly form of cancer, i now can't be denied, and even if i have to pay a lot for health insurance at that point, it's still going to be much cheaper considering all the money i saved by not having insurance prior, and the health insurance is forced to pay thousands more in health care bills for me than they're getting from me.
Under that system, the health insurance companies will just call it quits, putting everyone that was once employed for them out of a job, creating a whole lot more unemployment and thus less of a tax base, leaving everyone uninsured. That's when the government steps in, says that health insurance companies got what they deserved for trying to charge you so much, then "saves the day" with single payer by just drastically increasing the "fine" for not having health care through a private insurer.
It's pretty genius actually. That's why i simply can't understand why the single payer fans aren't just loving this Senate bill. This is about as bullet-proof a plan for that as you're realistically going to get, you'll just have to wait a few years.