Originally Posted by dyna mo

i'm a perfect example. i'm a small business owner with a pre-existing condition. i've been denied insurance for the last 30 years, regardless of my being able to afford it. i've paid my way for all my health needs, including $100s in monthly medicine, er trips, etc.

i've been a have-not of insurance due to this.

all insurance policies are mathmatically placed in umbrellas. if you are of certain health, you are placed in a group of others with that same level of health and your policies are all ~the same cost, those that are healthier have a higher profit margin built-in to their policies to cover those that have higher health costs but marginally higher insurance premiums.

obamacare is no different than this. it just reshuffles the deck and, hopefully, will allow people like me access to the system. emphasis on hopefully. i don't expect great things but i am looking forward to seeing how it works out.