The problem with healthcare:  since the FDR Administrations wartime wage-controls enacted in the 1930′s and their “solution” of allowing companies to offer health insurance in lieu of a bigger salary. In employer-provided — third-party — care, the 2 negotiating “on your behalf” are NOT negotiating on your behalf; their interests both conflict with yours: your employer wants to pay in as little as possible, “your” insurance company wants to pay out as little as possible. who represents YOUR interests? In first-party care — “private” insurance, you do. It’s between you and your potential insurers and, like any other business, they’ll want yours and will find a way to cover as many as possible, the ideal and the not-so-ideal candidate. Something for everyone. Maybe not every company will cover every individual, but someone will. Heard of “assigned risk” in auto insurance? Extended warranties provided for out-of-warranty products? There’s a creative business solution to every problem, unless The Government shoves its nose in to “fix” the problems that the government, not the market, causes.