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Rather than a single payer system, I'd prefer to remove the insurer's ability to rescind a policy, except for egregious cases of lying on an application.

IOW - They should be required to do their underwriting before issuing the policy. Once they accept the premiums and issue the policy, they should not be able to terminate it just because they did a bad job in underwriting. As it is now, they can (and probably do) take your premiums and don't look at your medical records until you have a claim. Then they look at your application and medical records with a fine-tooth comb trying to find a way to avoid paying. In the mean time, you think you have insurance, but might not. And if you don't have a claim, they take your money even if you don't meet their underwriting standards. It's a no-lose proposition for the insurance company.

I favor a different approach. They can continue their current practice... and if they find that the treatment you are charging them is related to a pre-existing condition, they decline to pay and you send the bill to whichever insurance company was insuring you when the condition was found.

That is, after all, the way auto insurance works, and the way homeowner's insurance works, and the way liability insurance works, and...
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