is not to prevent individual financial catastrophes, or insulate people from risk, as they claim it is, but instead its to start, or keep people buying, and prevent them from asking for far more money in wages, (what they would otherwise need).
The objection that many people pose is that the risk model of health insurance pricing considers any and all information to be fair game in their goal of insuring those who need it the least, and not insuring those who need it the most.
The Dems as well as the GOP pretend that it doesn't happen, but ask any HR person you know, of course, it does. As long as we have our current health insurance model, older people will have trouble finding jobs.
And people who have been sick, or who have a family member who has been sick, will find themselves inexplicably unemployed, even when they clearly are the best person for the job.
Theres another important issue which we are avoiding, thats a gradual, but exponential technological shift in the workplace, a change that is making all but the most skilled people less and less necessary.
Technology is the reason business is more and more profitable, and that any given profession increasingly requires more skill in order to remain employed.
Changes from the inception of a new method, through its commoditization and mass marketing, are very rapid.
Individuals and small companies find the barriers to entry daunting unless they are very adaptable.
Some of us are, but many of us arent. Those people aren't being helped by our government the way they should be.
Lets face it, in 20 years, nomatter how much most of us want to work, there wont be those jobs we need. That bright future is a contrived fiction.