Of course I'm talking about catastrophic coverage: that's when you need insurance the most! (And the worst possible time for them to say "sorry, you're too expe

Of course I'm talking about catastrophic coverage: that's when you need insurance the most! (And the worst possible time for them to say "sorry, you're too expensive to treat, so you're on your own now.") Besides, what good is a plan that will pay $ to treat a broken bone but refuses to pay $$$$$$ to treat leukemia? > Your claim that "you could reject everyone" pre-ACA is completely false. In fact, insurance companies were required to carry a certain percentage of high liability customers. It varied from state to state, though. What? Tell that to the millions of people that couldn't get coverage pre-ACA due to pre-existing conditions. > Finally it's also worth mentioning that even for people with no coverage whatsoever, hospitals were (and are) required to care for them. If you stumble into the ER with any condition, they are required to provide care, or at least transport you quickly to a place that can. Are you suggesting you can go into a emergency room with a non-emergency condition and they're legally obligated to treat you? Can you cite a source for this?