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May 10, 2017

My plan to today was to help clarify some of the questions about health insurance, but as I compiled ideas it became obvious there is so much information available it is almost impossible to offer anything factual without an opposite idea being available.

So, let me discuss one major facet of the healthcare debate – pre-existing conditions. This is not an endorsement of any plan or change, just something to think about!

ObamaCare addresses pre-existing conditions, but not without difficult questions.

Herman Cain ran for president four plus years ago and now writes a blog. Not sure Cain is an authority, but his thoughts were at least interesting: He wrote:

“One thing that will help a lot is if people realize what a bunch of bullfeathers they’re being fed with this whole business about pre-existing conditions. ObamaCare requires that people with pre-existing conditions who don’t already have insurance be allowed to sign up for it, and be charged premiums no different than those who are totally healthy. While this sounds wonderfully compassionate, it goes completely against everything that makes the economics of insurance work – which is why it’s been one of the leading drivers of soaring premiums since ObamaCare took effect.”

Cain likes the “high risk pools” idea, letting the states be involved and funding the losses by taxpayers.

While my understanding is admittedly limited the strategy here is to carve out those who are sick, but without insurance and let taxpayers finance their care rather than it being a burden on people who already were paying for health insurance.

There are arguments both ways, but for me if we as a nation truly desire to provided insurance for people with pre existing conditions it makes sense to have tax payers cover the losses rather than penalizing those of us who already pay premiums.

Yesterday I heard Senator Bill Cassidy a Republican from Louisiana tell  the Morning Joe just the opposite – that pre-existing costs should be spread over all who purchase health insurance!

My question is this: If paying for pre-existing condition coverage is “the leading driver of soaring premiums” why wouldn’t we choose a different path?

          I’m Steve Sauder