Let me ask the reader, if you
have not purchased homeowner insurance and your house suddenly burns
down, can you call an insurance company and obtain homeowners
insurance to cover the claim? The question is silly and the answer
is apparent no, never ever. Should you drive a car without insurance
and have an accident can you obtain insurance, the answer is no.
Any insurance company that let
you buy insurance after a claim is a company that either goes out of
business, or raises prices so all its good customers flee that
company. We need to have a high risk pool funded by tax payers to
pay for inherited or pre existing conditions, and allow the free
enterprise competition to hold down prices for the rest of the
healthy population, rather than turn it all over to a government
program with no cost controls and no quality protection.