"Pre-Existing Conditions"

So I was gonna' rant..er..write about the hundreds of invaders from Somewhere South of the Border who did their dead-level best to storm past our San Ysidro International Border crossing yesterday.  Yup, as predicted, and promised, a reported 500 or so of those reeeely nice folks apparently grew tired of waiting to begin their American Dream.  So they decided to break in.  Without invitation or permission.  They mobbed the Border, throwing rocks and bottles at our guards, hoping to rush past them and get to their new jobs as nannies and lawn care experts for the Stars in Hollyweird.  

And our Border Protection forces responded by leveling pepper spray and tear gas their way.  Those of a Liberal persuasion were aghast, somehow forgetting that their hero B. Hussein Obama did the same thing back in 2013.  The gassing seemed to work, at least for now, as they were returned to Meheeeeko post-haste. 

Not knowing how to think about this occurrence, I immediately checked with the MainStreamMedia and CNN/MSNBC/NPR/PBS, but they told me it was nothing to worry about.  Just a few mommies and their hungry little children looking for a better life.  No caravan, no criminals.  So, feeling much better about the whole thing, I'll now return to my original subject for discussion.  Here goes...

Let's say for a moment you own a house.  Many do.  A really nice house.  One you've insured against fire, and theft, and all sorts of other potential hazards.  Everything except meteor strikes.  So you sleep well at night, knowing you're protected against nearly everything to the amount of loss you insured yourself against.  

And then let's say a meteor hits your house tomorrow.  And completely destroys it.  Nothing left.  Yuuuuge hole in the ground.  So, you call your State Farm representative and ask that he/she/it (gotta' remember California by adding the "it," you know) add "destruction due to meteor strike" to your policy, and then backdate it to the day before yesterday.

Ummm, what? 

Of course, the State Farm folks didn't factor meteor strikes into the premiums they agreed to charge you and you agreed to pay.  They only charged you for the risk associated with the potential losses I mentioned earlier.  So, your insurance company politely tells you to pound sand and you then file for bankruptcy.

Feces happens.

Now let's overlay this situation on healthcare.  You're well.  No health problems.  No history that would indicate to a health insurance company you represent any extraordinary risk.  So they "rate" you according to that reality.  And then they place you into a "pool" of like prospective clients, each presenting the same basic risk of loss to the company.  Whether that pool consists of 1,000 applicants, or 10,000, or perhaps 100,000, all represent the same relative risk profile to the insuror.  And remember...

...When you purchase insurance, you're betting the company that what you're insuring against will happen; they're betting it won't.

But what if you then contract cancer or some other debilitating and uber-expensive ailment?  You might find extreme difficulty in finding coverage, and then only at a much, much higher premium.  And you might find this to be unfair.  But life isn't fair.  And nobody said it would be.  Except for one Mr. Obama who told you he'd make Obamacare available, and somebody else would pay for it, and to hell with the insurance companies and their egregious profits.

But what Mr. Obama apparently didn't know, or knew but chose to hide from the 'Murican people (would he do that?), was that insurance companies cannot stay in business unless they can assess their risks and then apply dollar premiums that match that level of risk.  These insurors hire what's called "actuaries," who are sort of like uber-mathematicians, whose job it is to determine that risk.  

They also work for casinos.  They're the ones that determine the payouts on your slot machines, and the very same ones that make sure you lose.

But what if the plan all along was to weight down the insurance companies with unknown and unwanted risk, which could, and likely would, put them all out of business?  And then, Praise the Lord, the Good Ol' Gummint would be there, $Billions in hand, to step in and provide "Medicare for All."  Or, that's what they call it.  In truth, it would be "Medicare for None."  It would be socialized, "single-payor" medicine, and that's not the preferred model if quality care is desired.  

If you don't believe me, look up the statistics regarding Canadians who are right now laying in hospital beds across our Fruited Plain.  In 2016 fully 15% of Detroit's Henry Ford Hospital admissions hailed from Canada.  Hmmm.

But freebie healthcare can sure be attractive to those without it due to some pre-existing condition.  And certain weenie smarmy blow-dried politicians will be happy to promise it to you.    

Just vote for them in advance...