Why must 80 year old women pay for well baby care?
Insurance always involves paying for someone else's care.
Insurance always takes risk int account. See how much you pay for homeowners insurance covering earthquakes if you live in the San Fernando Valley. You have no idea of what you're talking about.
That is why we demand coverage for pre-existing conditions
You don't want a risk pool made up entirely of sick people, you want to spread them out in larger pools
We know about your fondness for free stuff. Any condition can be pre-existing. Pregnancy, for example, although natural, is also a choice especially given the options woman have today. Yeah, I know, but anyone can buy a pack of condoms. Why should I pay for a crack whore who gets herself knocked up on an annual basis? I simply cannot get my heart to bleed for some of the things people choose to do.