Same with car insurance: If you never have accidents/claims, insurance companies are all over you to sign with them. If you have 7 DUI's, 5 accidents and mega-claims, you are hard-pressed to obtain car insurance. That is how it should be. Tell me: If two of your kids (when they were teens) wanted to borrow your car and they showed themselves to be responsible, you might easily agree. If your other kid got stoned or drunk all the time and would speed and run into things, what would you say to the request to borrow your car? Would you feel good about saying "yes", as you did with the other two kids? I know what you would do, because you are not dumb. You'd say something akin to, "I wish I could trust you. But you've shown that you cannot be trusted with my car. The answer is 'NO' " Which would be a smart decision, don't you agree? I would.
So, you expect insurance companies to act differently? You expect them to look at people, some being a good risk and others being a claim waiting to happen, and rate them similarly? Wouldn't that fulfill some definition of "stupid"? Private companies can operate somewhat differently than government can. The latter has a much harder time making good business decisions (I know first-hand, I work for a govt. entity.) Unlike the private company, how can govt. deny coverage to a woman who gets drunk daily and/or smokes crack and has 7 children by different dead-beat, some disabled because of it? If she is Black, somehow that is clearly discrimination to say "Sorry, no". It is easier to tell a responsible teen, "Sorry, but you cannot buy a soda that is more than 16 ozs." . . than to tell crack Mom that you will not cover her and her crack babies.
Is that friggin' insane or what? How can you think that government oversight of health care will result in anything better than govt. oversight of most things, which operate screwy?