Naturally I would agree with some of what you say, but It is obvious that some conditions would need to be met that will never be met. Government has made it so your insurer can't go beyond state lines. That stifles competition in the insurance industry and drives up prices to the individual. If the lowest rate was in Florida and the highest in NY, the people in NY would purchase insurance from Florida, right? The NY companies would need to lower their prices to compete and so on. Ever buy the first product of any technology? The first flay screen TV's cost thousands of dollars for what we would consider a small screen by today's standards. Yet through competition we can now get a 50" for around a couple of hundred dollars. Insurance would work the same way as all other services and products. But for insurance to be affordable government would have to be eliminated completely , but not only that, the outrageous settlements from ambulance chasing lawyers would need to be eliminated, and obama fought against that. Doctors and hospitals pay billions a year to protect themselves from greedy crooked ambulance chasing lawyers. Just who has to pay those costs?
However, common sense would dictate that this whole conversation is moot.
The "pre condition" crap is a con job. Everyone with so called "pre conditions" are and are already were being covered through medicare. That argument is simply a ploy to convince the ignorant that they are heartless if this lie isn't implemented through "loving big brother", who incidentally couldn't care less if you died in the middle of the street due to lack of medical attention. They are con artists and liars for the most part, but the few that aren't are just a tiny specks on the world canvas. Only a fool would believe a word they say. They do not give a rats ass about you. They are the overlords of the individuals who must obey and suffer individually for the greater good, as they see it.
Even when the masses rise up and tell them what they want the masses are still ignored, is that not so? We are lied to and told that they are going to do what you wish, if elected, and then they do what they wish against your dictates at every turn. And I use the word dictates for the specific reason that they are supposed to be public servants elected to represent the voices of those who elected them. Instead we who elect them are the very ones who are ignored. They feign inability because they do not yet have the power, then when they have the power they find all other manner of excuses based on lies and deceit. They do the will of the lobbyists not the will of the people.
The individual only matters to them if the individual can be used for propaganda means to gain yet more power through their deceptive practices.
I have been on this earth long enough to see what many have not been witness to. I have watched the progression from liberty to tyranny in baby steps for many many decades. I have a pretty good assessment of how political parties and individual politicians work. I know their ilk quite well. Ask a Veteran how they keep their promises, ask an Indian how they kept their promises, ask the citizen who is aware how they keep their promises.
They are the Borgs and we must assimilate or be destroyed. It is as simple as that.
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The same spirit that ruled over Hitler is headed our way.
Let those with ears to hear understand.