>>>One of the many reasons Medicare came into being was that seniors couldn't get insurance from private insurers.
>>>So, of course it accepted pre-existing conditions- among them the most fatal - being old.
>
>Because insurers wouldn't, you say? Just as they wouldn't once your 45-year-old got sick, pushing costs far in excess of premium.
>
Actually, costs never exceed premiums over time. Premiums go up to meet the added costs.

>>Perhaps you have seen it, after all.

My first programming job was for a large NYC insurer, so yes, I have.
But as I said, I haven't decided that forcing insurers to take high-risk insureds - with resultant higher premiums for lower risk insureds- is a good idea.
I can see arguments on both sides of that issue.
There's a danger of painting with large strokes here.
If someone worth over several millions can't get insurance because of health history, that's one thing.
If someone without the wherewithal to pay for care can't get it that's something else entirely.
We need to be mindful that care- not insurance- is what saves people.