One of the more controversial aspects of former President Barack Obama's landmark 2010 health care bill, the Affordable Care Act, has been its requirement that insurers who list their plans on the health care exchanges refrain from denying coverage to customers or charging higher premiums due to pre-existing conditions.
Liberals allege that without this provision, patients with medical conditions would find it difficult or impossible to secure affordable coverage — or any coverage at all — while conservatives counter that the requirement forces insurers to pass the higher treatment costs of less healthy patients on to healthier patients by equalizing premiums across the board.
Wednesday on "The Glenn Beck Radio Program," Glenn provided an illuminating analogy that revealed the fundamental flaws with this approach to extending health insurance coverage to the sickest citizens.
"Would anyone think it's fair for anyone to say to an auto insurance company, 'I'm not going to buy any auto insurance unless I'm in a wreck'?" Glenn asked. "So when the police comes up, and your car has been totaled, and the other guy is being taken to the hospital, [you say,] 'Now I need a policy.' And they can't turn you down for the wreck you've just had. How does Allstate survive if everyone gets to do that?"
"Well, if you ... have a law that mandates everyone use Allstate, there's one way to do it," Stu Burguiere responded.