01-06-2017, 05:04 AM
This stuff was covered a long time ago...
Needy and pre existing are not the only things that drive the costs in this system. Spreading the risk pool to low risk people is one of those things. Let old people get wiped out with bills not the young. Don't pay for female hygiene treatments and etc. Eliminate these things and you go back to 2008 level of health care.
Also the 2008 system is broken too but that is besides the point.
And the way you cover truly needy in a real market either with loans or charity.