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Pre-existing conditions

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Define Insurance: In law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed and known small loss to prevent a large, possibly devastating loss. (source Wikipedia)
FACT: There are true costs associated with pre-existing conditions whether it is cancer and heart disease or an already wrecked vehicle. These costs will have to be absorbed over time and what I hear the politicians talking about is not really insurance, as defined, but a giant social program to cure everyone. My solution: Take your yearly USA Health Budget, divide by the population of citizens, and give them all a yearly Health Credit card with that amount on it. They can then search for the best provider at the best price. The incentive would be to do less and to do it at the best price. America is a Nation of bargin hunters and if the incentives are right, we could solve this problem in the American way. Think of it as a sort of "Health Voucher". W.C. (cut on dotted line, make copies, @ mail to DC)