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Yes, and that's one reason why costs have ballooned so much, the need to subsidize people who didn't pay while they didn't have a condition and now do. The tem

Yes, and that's one reason why costs have ballooned so much, the need to subsidize people who didn't pay while they didn't have a condition and now do. The temporary plans aren't even necessary, if you can wait until the next regular enrollment period. The ACA originally tried to hide that vulnerability by making insurance mandatory, then it appeared when that forcible mandate was repealed. Edit to reply to the reply: Right, it's not insurance. Insurance is pooling risk. If you wait until the risk event has already happened, it's not insurance, it's just paying your own costs with extra steps.

notch656c 4y ago
... so we have the worst of both worlds. Insurers are forced to take pre-existing conditions, but you can wait until you have a condition before buying it. I don't think that's even "insurance" at that point.... America may quite possible have the absolute dumbest system humanly possible.
- willcipriano 4y ago
  The best part? The US spends more per captia than any other OECD nation on socialized medicine. The United Kingdom's NHS costs around half, per capita and delivers universal coverage.
  - notch656c 4y ago
    Yeah. As a a pretty hardcore ancap who hates socialized anything, I'll still take NHS over our current system. Anything is better than our current bastardized system.