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I've heard a republican idea that would instead allow insurance companies to charge a large fee for lapses in coverage, which would be nearly equivalent to requiring coverage except people would be hit with a big fee when signing up.


So people who need to get insurance insurance wouldn't be able to afford it now?


Medicare already does this. If you go uninsured and then try to enroll (at a time when you're eligible, of course), there's a penalty you're required to pay.


I didn't say it was a good plan, just one I heard suggested. I'm in the opinion that the US should just combine to have one giant risk pool, and include everyone in it (aka single payer)


What about those of us who changed from employer-paid insurance to self-bought and got pre-existing condition exemptions without a lapse?


"Give us a hundred thousand dollars or you die of cancer" doesn't sound like a great healthcare plan.




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