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"You can't collect damages

"You can't collect damages on your car if it was wrecked before you signed up for insurance, can you?" It's not the same thing. If you lose your job, you lose your insurance. You are only covered under COBRA for a finite time (and don't even get me started on the COBRA scam - that's a different story!). If you still haven't found a job by the time that runs out, what are you supposed to do? Buying a plan directly from an insurance company is your only choice. And how are you supposed to pay for that without a job? So, you don't have insurance, can't afford your medicine, don't take care of yourself and wind up in the hospital. Who pays then? I do agree that we should be able to have some say in our coverage, but the insurance companies should not be able to penalize the people for having a pre-existing condition. Healthcare should be a right, not a priviledge.

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