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	<title>Comments on: Pre-Existing Conditions?</title>
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		<title>By: Michael Hoskins</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-5875</link>
		<dc:creator>Michael Hoskins</dc:creator>
		<pubDate>Sat, 27 Feb 2010 14:57:19 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-5875</guid>
		<description>I&#039;m all about LBT&#039;s and others&#039; stance on this.

Here&#039;s a solution: Those born with chronic conditions not brought on by any of their own life choices, it sucks but you are now required to fund your regular, daily care from your own pocket without insurance options because that coverage is for &quot;catastropic&quot; and &quot;unpredictable&quot; costs only. This may not be fair based on our man-made definition of that word, but it&#039;s a simple reality of capitalism and the free market. As a result of this, because you were born with this chronic condition or received a diagnosis at age 5 through not fault of your own, you are now practically banned from EVER owning a home, paying rent in an apartment, having your own children because they themselves might have a &quot;pre-existing&quot; condition based on genetic faults you&#039;ve passed on... All of this because you can&#039;t afford it, since you&#039;ll not have the insurance coverage to at least help offset some of those costs. You lose your ability to go after life, liberty, and the pursuit of happiness... No longer is it guaranteed to you, because it&#039;s prohibited by the free market and capitalism.

How&#039;s that for a society? What was that, Hitler? Didn&#039;t hear you.</description>
		<content:encoded><![CDATA[<p>I&#8217;m all about LBT&#8217;s and others&#8217; stance on this.</p>
<p>Here&#8217;s a solution: Those born with chronic conditions not brought on by any of their own life choices, it sucks but you are now required to fund your regular, daily care from your own pocket without insurance options because that coverage is for &#8220;catastropic&#8221; and &#8220;unpredictable&#8221; costs only. This may not be fair based on our man-made definition of that word, but it&#8217;s a simple reality of capitalism and the free market. As a result of this, because you were born with this chronic condition or received a diagnosis at age 5 through not fault of your own, you are now practically banned from EVER owning a home, paying rent in an apartment, having your own children because they themselves might have a &#8220;pre-existing&#8221; condition based on genetic faults you&#8217;ve passed on&#8230; All of this because you can&#8217;t afford it, since you&#8217;ll not have the insurance coverage to at least help offset some of those costs. You lose your ability to go after life, liberty, and the pursuit of happiness&#8230; No longer is it guaranteed to you, because it&#8217;s prohibited by the free market and capitalism.</p>
<p>How&#8217;s that for a society? What was that, Hitler? Didn&#8217;t hear you.</p>
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		<title>By: TheDissenter</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-5336</link>
		<dc:creator>TheDissenter</dc:creator>
		<pubDate>Mon, 01 Feb 2010 05:12:27 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-5336</guid>
		<description>People from other countries that have universal health care laugh at Americans and their &#039;pre-existing condition&#039; nonsense.  That phrase is used precisely because it is so wonderfully vague and can be used to justify almost any denial of care.  The fee for service model just doesn&#039;t work when it comes to health care, no matter how hard you try to shoe horn health care into some economic theory.  Entering into a obligation when you are sick breaks a basic tenant of capitalism, that for capitalism to work customers do not necessarily have to buy your product and, if dissatisfied, can take their business elsewhere.  When you are ill you are not in a position to comparison shop or take your business elsewhere, therefore capitalism can&#039;t apply and the supply/demand curve no longer is in effect.  Imagine negotiating a price with the fire chief to come put out your house fire while its actually burning to the ground and you begin to see the illogic of applying capitalist principles to health care costs.  What are the productivity costs of a sick country?  No other country in the G7 has their system structured such that its in many powerful people&#039;s financial interest for you to get and stay sick.</description>
		<content:encoded><![CDATA[<p>People from other countries that have universal health care laugh at Americans and their &#8216;pre-existing condition&#8217; nonsense.  That phrase is used precisely because it is so wonderfully vague and can be used to justify almost any denial of care.  The fee for service model just doesn&#8217;t work when it comes to health care, no matter how hard you try to shoe horn health care into some economic theory.  Entering into a obligation when you are sick breaks a basic tenant of capitalism, that for capitalism to work customers do not necessarily have to buy your product and, if dissatisfied, can take their business elsewhere.  When you are ill you are not in a position to comparison shop or take your business elsewhere, therefore capitalism can&#8217;t apply and the supply/demand curve no longer is in effect.  Imagine negotiating a price with the fire chief to come put out your house fire while its actually burning to the ground and you begin to see the illogic of applying capitalist principles to health care costs.  What are the productivity costs of a sick country?  No other country in the G7 has their system structured such that its in many powerful people&#8217;s financial interest for you to get and stay sick.</p>
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		<title>By: Gerald Spencer</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-4034</link>
		<dc:creator>Gerald Spencer</dc:creator>
		<pubDate>Sun, 08 Nov 2009 03:59:43 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-4034</guid>
		<description>A pre-existing condition should not be the basis to deny insurance, it should be the basis to deny coverage of that pre-existing condition. If someone had cancer, was cured, is well beyond a period of remission should not be denied coverage for a subsequent bout of cancer. They certainly should not be denied coverage for a broken arm or a broken leg. I wrestle with the concept of pre-existing condition being the same a continuing condition; someone needs to define these terms in a better manner. If someone wants to cover against the return of a problem, let them, let their insurance premiums reflect that just as a driver&#039;s car insurance premiums reflect the driver&#039;s good or bad history.</description>
		<content:encoded><![CDATA[<p>A pre-existing condition should not be the basis to deny insurance, it should be the basis to deny coverage of that pre-existing condition. If someone had cancer, was cured, is well beyond a period of remission should not be denied coverage for a subsequent bout of cancer. They certainly should not be denied coverage for a broken arm or a broken leg. I wrestle with the concept of pre-existing condition being the same a continuing condition; someone needs to define these terms in a better manner. If someone wants to cover against the return of a problem, let them, let their insurance premiums reflect that just as a driver&#8217;s car insurance premiums reflect the driver&#8217;s good or bad history.</p>
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		<title>By: Cheri</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-3871</link>
		<dc:creator>Cheri</dc:creator>
		<pubDate>Wed, 21 Oct 2009 04:30:41 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-3871</guid>
		<description>Rancher Lady, I am with you!  
All day yesterday I was having those same thoughts:

&quot;...and that those of us who work, think, save, defer gratification, and don’t seek to pick the pockets of others neither want nor need you.

You said one very true thing: this is a very cold-hearted country. It holds that my property is not mine, my labor is not mine, and I have no “rights” save those it and others like you grant me grudgingly. These days it seems as though my only “right” is to be your un-fed milk cow. Cows dry up, you know. Your world holds that I am natural resource to be controlled or mined. I quit. I don’t produce more than I need any more. You can go figure out who to rob next.&quot;
Right on!
The &quot;un-fed milk cow&quot; analogy is great!  I am tired of being called &quot;Cold&quot; or &quot;Uncharitable&quot;.  Charity starts at home.  In my earlier post I eluded to the lack of compassion in hand-outs.  Encouraging people to be truly independent is as compassionate as you can get!  When I was young I didn&#039;t get that.  When my seniors/superiors would push back and force me to &quot;mature&quot; (Make researched, long-term, responsibility accepting decisions) I didn&#039;t like it, I thought them &quot;mean&quot;.  Bless them!   

Joe, DaveB, gimmeabreak.... 
Anyone thinking a National Healthcare Insurance Plan will help/fix the current issues and doesn&#039;t recognize the REAL effects of such a plan really doesn&#039;t have a clue.  I agree we need the GREED out of healthcare and that goes for those wanting the most for nothing!   Hiding behind the Needy and unfortunate is cowardly.  The abundance created by our free market/capitalist system is what allows you to believe you can allocate others money to fit your view.  We already take care of the needy.  

Anyone not noticing the puppet strings being strung by the Federal Government in the US economy is BLIND!  This game is over as we have known it.  Stopped being blinded by your jealousy and self-pity.  PERSONAL FREEDOM, and LIBERTY are the price for the current administration’s policies.  That is not alarmist.  There is no underlying economy capable of carrying the load being placed on it.  Those who think a &quot;leveling&quot; is due are some of the most &quot;cold-hearted&quot; people on the planet.  Scrutinize your own motivations, I am not buying the compassion!~C</description>
		<content:encoded><![CDATA[<p>Rancher Lady, I am with you!<br />
All day yesterday I was having those same thoughts:</p>
<p>&#8220;&#8230;and that those of us who work, think, save, defer gratification, and don’t seek to pick the pockets of others neither want nor need you.</p>
<p>You said one very true thing: this is a very cold-hearted country. It holds that my property is not mine, my labor is not mine, and I have no “rights” save those it and others like you grant me grudgingly. These days it seems as though my only “right” is to be your un-fed milk cow. Cows dry up, you know. Your world holds that I am natural resource to be controlled or mined. I quit. I don’t produce more than I need any more. You can go figure out who to rob next.&#8221;<br />
Right on!<br />
The &#8220;un-fed milk cow&#8221; analogy is great!  I am tired of being called &#8220;Cold&#8221; or &#8220;Uncharitable&#8221;.  Charity starts at home.  In my earlier post I eluded to the lack of compassion in hand-outs.  Encouraging people to be truly independent is as compassionate as you can get!  When I was young I didn&#8217;t get that.  When my seniors/superiors would push back and force me to &#8220;mature&#8221; (Make researched, long-term, responsibility accepting decisions) I didn&#8217;t like it, I thought them &#8220;mean&#8221;.  Bless them!   </p>
<p>Joe, DaveB, gimmeabreak&#8230;.<br />
Anyone thinking a National Healthcare Insurance Plan will help/fix the current issues and doesn&#8217;t recognize the REAL effects of such a plan really doesn&#8217;t have a clue.  I agree we need the GREED out of healthcare and that goes for those wanting the most for nothing!   Hiding behind the Needy and unfortunate is cowardly.  The abundance created by our free market/capitalist system is what allows you to believe you can allocate others money to fit your view.  We already take care of the needy.  </p>
<p>Anyone not noticing the puppet strings being strung by the Federal Government in the US economy is BLIND!  This game is over as we have known it.  Stopped being blinded by your jealousy and self-pity.  PERSONAL FREEDOM, and LIBERTY are the price for the current administration’s policies.  That is not alarmist.  There is no underlying economy capable of carrying the load being placed on it.  Those who think a &#8220;leveling&#8221; is due are some of the most &#8220;cold-hearted&#8221; people on the planet.  Scrutinize your own motivations, I am not buying the compassion!~C</p>
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		<title>By: Cheri</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-3870</link>
		<dc:creator>Cheri</dc:creator>
		<pubDate>Tue, 20 Oct 2009 20:00:16 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-3870</guid>
		<description>Rancher Lady, I am with you!  
All day yesterday I was having those same thoughts:

&quot;...and that those of us who work, think, save, defer gratification, and don’t seek to pick the pockets of others neither want nor need you.

You said one very true thing: this is a very cold-hearted country. It holds that my property is not mine, my labor is not mine, and I have no “rights” save those it and others like you grant me grudgingly. These days it seems as though my only “right” is to be your un-fed milk cow. Cows dry up, you know. Your world holds that I am natural resource to be controlled or mined. I quit. I don’t produce more than I need any more. You can go figure out who to rob next.&quot;


The &quot;un-fed milk cow&quot; analogy is great!  I am tired of being called &quot;Cold&quot; or &quot;Uncharitable&quot;.  Charity starts at home.  In my earlier post I eluded to the lack of compassion in hand-outs.  Encouraging people to be truly independent is as compassionate as you can get!  When I was young I didn&#039;t get that.  When my seniors/superiors would push back and force me to &quot;mature&quot; (Make informed long-term responsibility accepting decisions) I didn&#039;t like it, I thought them &quot;mean&quot;.  Bless them!   

Joe, DaveB, gimmeabreak....
Anyone thinking a National Healthcare Insurance Plan will help/fix the current issues and doesn&#039;t recognize the REAL effects of such a plan really doesn&#039;t have a clue.  I agree we need the GREED out of healthcare and that goes for those wanting the most for nothing!  

Anyone not noticing the puppet strings being strung by the government in the US economy is BLIND!  This game is over as we have known it.  Stopped being blinded by your jealousy and self-pity.  PERSONAL FREEDOM, and LIBERTY are the price for the current administration’s policies.  That is not alarmist.  There is no underlying economy capable of carrying the load being placed on it.  Those who think a &quot;leveling&quot; is due are some of the most &quot;cold-hearted&quot; people on the planet.  Scrutinize your own motivations, I am not buying the compassion!~C</description>
		<content:encoded><![CDATA[<p>Rancher Lady, I am with you!<br />
All day yesterday I was having those same thoughts:</p>
<p>&#8220;&#8230;and that those of us who work, think, save, defer gratification, and don’t seek to pick the pockets of others neither want nor need you.</p>
<p>You said one very true thing: this is a very cold-hearted country. It holds that my property is not mine, my labor is not mine, and I have no “rights” save those it and others like you grant me grudgingly. These days it seems as though my only “right” is to be your un-fed milk cow. Cows dry up, you know. Your world holds that I am natural resource to be controlled or mined. I quit. I don’t produce more than I need any more. You can go figure out who to rob next.&#8221;</p>
<p>The &#8220;un-fed milk cow&#8221; analogy is great!  I am tired of being called &#8220;Cold&#8221; or &#8220;Uncharitable&#8221;.  Charity starts at home.  In my earlier post I eluded to the lack of compassion in hand-outs.  Encouraging people to be truly independent is as compassionate as you can get!  When I was young I didn&#8217;t get that.  When my seniors/superiors would push back and force me to &#8220;mature&#8221; (Make informed long-term responsibility accepting decisions) I didn&#8217;t like it, I thought them &#8220;mean&#8221;.  Bless them!   </p>
<p>Joe, DaveB, gimmeabreak&#8230;.<br />
Anyone thinking a National Healthcare Insurance Plan will help/fix the current issues and doesn&#8217;t recognize the REAL effects of such a plan really doesn&#8217;t have a clue.  I agree we need the GREED out of healthcare and that goes for those wanting the most for nothing!  </p>
<p>Anyone not noticing the puppet strings being strung by the government in the US economy is BLIND!  This game is over as we have known it.  Stopped being blinded by your jealousy and self-pity.  PERSONAL FREEDOM, and LIBERTY are the price for the current administration’s policies.  That is not alarmist.  There is no underlying economy capable of carrying the load being placed on it.  Those who think a &#8220;leveling&#8221; is due are some of the most &#8220;cold-hearted&#8221; people on the planet.  Scrutinize your own motivations, I am not buying the compassion!~C</p>
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		<title>By: Cheri</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-3867</link>
		<dc:creator>Cheri</dc:creator>
		<pubDate>Tue, 20 Oct 2009 17:56:33 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-3867</guid>
		<description>Rancher Lady, I am with you!  
All day yesterday I was having those same thoughts:

&quot;...and that those of us who work, think, save, defer gratification, and don’t seek to pick the pockets of others neither want nor need you.

You said one very true thing: this is a very cold-hearted country. It holds that my property is not mine, my labor is not mine, and I have no “rights” save those it and others like you grant me grudgingly. These days it seems as though my only “right” is to be your un-fed milk cow. Cows dry up, you know. Your world holds that I am natural resource to be controlled or mined. I quit. I don’t produce more than I need any more. You can go figure out who to rob next.&quot;           
 
RIGHT ON!
                                 
The &quot;un-fed milk cow&quot; analogy is great!  I am tired of being called &quot;Cold&quot; or &quot;Uncharitable&quot;.  Charity starts at home.  In my earlier post I eluded to the lack of compassion in hand-outs.  Encouraging people to be truly independent is as compassionate as you can get!  When I was young I didn&#039;t get that.  When my seniors/superiors would push back and force me to &quot;mature&quot; (Make informed long-term responsibility accepting decisions) I didn&#039;t like it, I thought them &quot;mean&quot;.  Bless them!   

Joe, DaveB, gimmeabreak....
Anyone thinking a National Healthcare Insurance Plan will help/fix the current issues and doesn&#039;t recognize the REAL effects of such a plan really doesn&#039;t have a clue.  No disrespect intended.  I agree we need the GREED out of healthcare and that goes for those wanting the most for nothing!  

Anyone not noticing the puppet strings being strung by the government in the US economy is BLIND!  This game is over as we have known it.  Stopped being blinded by your jealousy and self-pity.  PERSONAL FREEDOM, and LIBERTY are the price for the current administration’s policies.  That is not alarmist.  There is no underlying economy capable of carrying the load being placed on it.  Those who think a &quot;leveling&quot; is due are some of the most &quot;cold-hearted&quot; people on the planet.  Scrutinize your own motivations, I am not buying the compassion!~C</description>
		<content:encoded><![CDATA[<p>Rancher Lady, I am with you!<br />
All day yesterday I was having those same thoughts:</p>
<p>&#8220;&#8230;and that those of us who work, think, save, defer gratification, and don’t seek to pick the pockets of others neither want nor need you.</p>
<p>You said one very true thing: this is a very cold-hearted country. It holds that my property is not mine, my labor is not mine, and I have no “rights” save those it and others like you grant me grudgingly. These days it seems as though my only “right” is to be your un-fed milk cow. Cows dry up, you know. Your world holds that I am natural resource to be controlled or mined. I quit. I don’t produce more than I need any more. You can go figure out who to rob next.&#8221;           </p>
<p>RIGHT ON!</p>
<p>The &#8220;un-fed milk cow&#8221; analogy is great!  I am tired of being called &#8220;Cold&#8221; or &#8220;Uncharitable&#8221;.  Charity starts at home.  In my earlier post I eluded to the lack of compassion in hand-outs.  Encouraging people to be truly independent is as compassionate as you can get!  When I was young I didn&#8217;t get that.  When my seniors/superiors would push back and force me to &#8220;mature&#8221; (Make informed long-term responsibility accepting decisions) I didn&#8217;t like it, I thought them &#8220;mean&#8221;.  Bless them!   </p>
<p>Joe, DaveB, gimmeabreak&#8230;.<br />
Anyone thinking a National Healthcare Insurance Plan will help/fix the current issues and doesn&#8217;t recognize the REAL effects of such a plan really doesn&#8217;t have a clue.  No disrespect intended.  I agree we need the GREED out of healthcare and that goes for those wanting the most for nothing!  </p>
<p>Anyone not noticing the puppet strings being strung by the government in the US economy is BLIND!  This game is over as we have known it.  Stopped being blinded by your jealousy and self-pity.  PERSONAL FREEDOM, and LIBERTY are the price for the current administration’s policies.  That is not alarmist.  There is no underlying economy capable of carrying the load being placed on it.  Those who think a &#8220;leveling&#8221; is due are some of the most &#8220;cold-hearted&#8221; people on the planet.  Scrutinize your own motivations, I am not buying the compassion!~C</p>
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		<title>By: Rancher Lady</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-3849</link>
		<dc:creator>Rancher Lady</dc:creator>
		<pubDate>Mon, 19 Oct 2009 07:02:25 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-3849</guid>
		<description>Joe,  your latest comment impressed me so much I&#039;m going to write an article about it.  Have you the least idea what an actuary does?  You might say that he&#039;s a bookie for insurance company.  Instead of handicapping horses, he works out bets which benefit his employer for health, automobile, and home insurance.  It is not possible to legislate that insurance companies take losing bets; they won&#039;t do it.  Will you then legislate that they MUST stay in business until they have gone bankrupt?  Or even after?  

Statist thugs are all the same, eager to use compulsion to force others to do as they wish, or dream, or benefit from...and you know you don&#039;t think ALL individuals should be compelled to contribute to the &quot;common good,&quot; a concept I doubt you can define.  Your tired old socialism is based on the truth that some few cannot take care of themselves and a lot more could but don&#039;t because you are there to hand over stolen goods.  What are you going to compel the person who needs you to hold a gun on me to provide him &quot;free&quot; medical care to give?  What has he got? 

Reality adds that those in power (such as leftist millionaires in Congress) don&#039;t pay taxes, and that those of us who work, think, save, defer gratification, and don&#039;t seek to pick the pockets of others neither want nor need you.

You said one very true thing:  this is a very cold-hearted country.   It holds that my property is not mine, my labor is not mine, and I have no &quot;rights&quot; save those it and others like you grant me grudgingly.  These days it seems as though my only &quot;right&quot; is to be your un-fed milk cow.  Cows dry up, you know.  Your world holds that I am  natural resource to be controlled or mined.  I quit.  I don&#039;t produce more than I need any more.  You can go figure out who to rob next.</description>
		<content:encoded><![CDATA[<p>Joe,  your latest comment impressed me so much I&#8217;m going to write an article about it.  Have you the least idea what an actuary does?  You might say that he&#8217;s a bookie for insurance company.  Instead of handicapping horses, he works out bets which benefit his employer for health, automobile, and home insurance.  It is not possible to legislate that insurance companies take losing bets; they won&#8217;t do it.  Will you then legislate that they MUST stay in business until they have gone bankrupt?  Or even after?  </p>
<p>Statist thugs are all the same, eager to use compulsion to force others to do as they wish, or dream, or benefit from&#8230;and you know you don&#8217;t think ALL individuals should be compelled to contribute to the &#8220;common good,&#8221; a concept I doubt you can define.  Your tired old socialism is based on the truth that some few cannot take care of themselves and a lot more could but don&#8217;t because you are there to hand over stolen goods.  What are you going to compel the person who needs you to hold a gun on me to provide him &#8220;free&#8221; medical care to give?  What has he got? </p>
<p>Reality adds that those in power (such as leftist millionaires in Congress) don&#8217;t pay taxes, and that those of us who work, think, save, defer gratification, and don&#8217;t seek to pick the pockets of others neither want nor need you.</p>
<p>You said one very true thing:  this is a very cold-hearted country.   It holds that my property is not mine, my labor is not mine, and I have no &#8220;rights&#8221; save those it and others like you grant me grudgingly.  These days it seems as though my only &#8220;right&#8221; is to be your un-fed milk cow.  Cows dry up, you know.  Your world holds that I am  natural resource to be controlled or mined.  I quit.  I don&#8217;t produce more than I need any more.  You can go figure out who to rob next.</p>
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		<title>By: Joe McElroy</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-3792</link>
		<dc:creator>Joe McElroy</dc:creator>
		<pubDate>Mon, 12 Oct 2009 14:47:27 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-3792</guid>
		<description>Don,
You and all your responders are wrong. Companies do not exist simply to make a profit. Yeah, that what everyone thinks and is taught, but it is wrong. You do not simply 
You are a cold hearted, nihilistic, materialist, and a fool, to boot. People need food, clothing, shelter, nurturing and love to thrive. The game is not just survival and if you think it is then you are simply an animal. Focusing on profits does not create a society or culture or nation that grows itself, matures, and enables individuals to live into their potential. It is sophomoric to think that corporations and free enterprise exist only to make profit. That is a one-dimensional view of a three dimensional reality. We, the people of this democracy, are completely entitled and empowerd to force economic entities to live up to their responsibilities and own the consequences of their actions - both individuals and corporations. Your narrow minded definitions notwithstanding. To me, that means insurance companies should be compelled to offer insurance to all individuals and all individuals should be compelled to contribute to the common good. That means taxes. Too bad if you don&#039;t like it. Move to some other cold hearted country.</description>
		<content:encoded><![CDATA[<p>Don,<br />
You and all your responders are wrong. Companies do not exist simply to make a profit. Yeah, that what everyone thinks and is taught, but it is wrong. You do not simply<br />
You are a cold hearted, nihilistic, materialist, and a fool, to boot. People need food, clothing, shelter, nurturing and love to thrive. The game is not just survival and if you think it is then you are simply an animal. Focusing on profits does not create a society or culture or nation that grows itself, matures, and enables individuals to live into their potential. It is sophomoric to think that corporations and free enterprise exist only to make profit. That is a one-dimensional view of a three dimensional reality. We, the people of this democracy, are completely entitled and empowerd to force economic entities to live up to their responsibilities and own the consequences of their actions &#8211; both individuals and corporations. Your narrow minded definitions notwithstanding. To me, that means insurance companies should be compelled to offer insurance to all individuals and all individuals should be compelled to contribute to the common good. That means taxes. Too bad if you don&#8217;t like it. Move to some other cold hearted country.</p>
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		<title>By: DaveB</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-3778</link>
		<dc:creator>DaveB</dc:creator>
		<pubDate>Sat, 10 Oct 2009 19:15:29 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-3778</guid>
		<description>I understand the desire for the insurance company to make a profit.  It is what they are in business to do.  I can also understand why they would be disinclined to grant a policy to a guaranteed loser for the company.  This doesn&#039;t mean that I like their policies - just that I understand them.

The purpose of  insurance is to spread the risk.  The insurance companies are currently reducing their risks so that they can minimize premiums and maximize their profits.  The big problem with this is that people that had no insurance when they were diagnosed with something expensive to treat are just plain SOL.  Same for people that had a condition and then lost their jobs and can&#039;t get new insurance.  Or people that just plain can&#039;t afford their insurance any more because they have a condition and can&#039;t change their insurance, but their premiums are prohibitively expensive because all the healthy people left their &quot;insurance pool&quot;.  I feel bad for these people.  They may want coverage and they may be willing to pay for coverage, but they either can&#039;t get it or can&#039;t afford it.  Something needs to be done.

I don&#039;t know that I&#039;m for a national plan, but I am for insurance companies having to insure absolutely anyone that applies.  I&#039;m also for the insurance company having one giant insurance pool for the whole company so that the risk is spread evenly amongst all policy holders, not just the policy holders from Illinois that bought their policies on June 3rd, etc.  Sure young healthy people won&#039;t like the extra premiums to cover some of the expense created by older unhealthy people, but the whole point of insurance is to spread the risk exposure, and they just aren&#039;t doing it.  .Excess risk should be spread among all insurance companies by selling each other insurance.  Make insurance companies do what insurance is supposed to do - spread the risk.</description>
		<content:encoded><![CDATA[<p>I understand the desire for the insurance company to make a profit.  It is what they are in business to do.  I can also understand why they would be disinclined to grant a policy to a guaranteed loser for the company.  This doesn&#8217;t mean that I like their policies &#8211; just that I understand them.</p>
<p>The purpose of  insurance is to spread the risk.  The insurance companies are currently reducing their risks so that they can minimize premiums and maximize their profits.  The big problem with this is that people that had no insurance when they were diagnosed with something expensive to treat are just plain SOL.  Same for people that had a condition and then lost their jobs and can&#8217;t get new insurance.  Or people that just plain can&#8217;t afford their insurance any more because they have a condition and can&#8217;t change their insurance, but their premiums are prohibitively expensive because all the healthy people left their &#8220;insurance pool&#8221;.  I feel bad for these people.  They may want coverage and they may be willing to pay for coverage, but they either can&#8217;t get it or can&#8217;t afford it.  Something needs to be done.</p>
<p>I don&#8217;t know that I&#8217;m for a national plan, but I am for insurance companies having to insure absolutely anyone that applies.  I&#8217;m also for the insurance company having one giant insurance pool for the whole company so that the risk is spread evenly amongst all policy holders, not just the policy holders from Illinois that bought their policies on June 3rd, etc.  Sure young healthy people won&#8217;t like the extra premiums to cover some of the expense created by older unhealthy people, but the whole point of insurance is to spread the risk exposure, and they just aren&#8217;t doing it.  .Excess risk should be spread among all insurance companies by selling each other insurance.  Make insurance companies do what insurance is supposed to do &#8211; spread the risk.</p>
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		<title>By: givemeabreak</title>
		<link>http://whiskeyandgunpowder.com/pre-existing-conditions/comment-page-1/#comment-3607</link>
		<dc:creator>givemeabreak</dc:creator>
		<pubDate>Tue, 29 Sep 2009 17:04:42 +0000</pubDate>
		<guid isPermaLink="false">http://whiskeyandgunpowder.com/?p=5261#comment-3607</guid>
		<description>I think most of you totally miss the point.  Many people who are denied insurance because of a pre-existing condition, did not wait until they got sick and then went out and tried to find someone to pay for them.  One of two things happened.  Either they had insurance and either they or someone in their family got sick and the insurance company dropped them because they were costing them too much money.  Or they lost their job, either because of the illness itself or cutbacks at the company and then no other company would pick them up because of the illness.  Most people have no idea what it really mean to be sick in this country.  If people in this country would quit worrying about how they were going to afford their next Lexus or if they were doing better then the Jones they would see that there is plenty of wealth in this country to take care of our fellow human beings.  I am appalled that so many people in this country call themselves Christians but they don&#039;t want to help any one out EVER!  Abortion is BAD, but don&#039;t expect me to help out once that baby is born.  Human life is the most important issue, but don&#039;t expect me to actually sacrifice any of my &#039;hard&#039; earned money to make sure everyone is cared for.  These are the messages I am hearing everyday from so called Christians.  I am continually disappointed by my fellow country men and women!</description>
		<content:encoded><![CDATA[<p>I think most of you totally miss the point.  Many people who are denied insurance because of a pre-existing condition, did not wait until they got sick and then went out and tried to find someone to pay for them.  One of two things happened.  Either they had insurance and either they or someone in their family got sick and the insurance company dropped them because they were costing them too much money.  Or they lost their job, either because of the illness itself or cutbacks at the company and then no other company would pick them up because of the illness.  Most people have no idea what it really mean to be sick in this country.  If people in this country would quit worrying about how they were going to afford their next Lexus or if they were doing better then the Jones they would see that there is plenty of wealth in this country to take care of our fellow human beings.  I am appalled that so many people in this country call themselves Christians but they don&#8217;t want to help any one out EVER!  Abortion is BAD, but don&#8217;t expect me to help out once that baby is born.  Human life is the most important issue, but don&#8217;t expect me to actually sacrifice any of my &#8216;hard&#8217; earned money to make sure everyone is cared for.  These are the messages I am hearing everyday from so called Christians.  I am continually disappointed by my fellow country men and women!</p>
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