Health Insurance Hell

The NY Times tells us that people are refusing to have DNA tests and/or refusing to tell their doctors the results of those tests in order to prevent health insurance companies from discriminating against them. Of course, that means that the benefits of testing do them no good. This is why I've been saying for years that, at the very minimum, we need regulation that says every insurance company should be forced to insure any and all applicants at the same rate for any given plan -- whether or not they are part of a company group. Yes, they can compete on price, but they should have to offer the same price to everyone for whatever plans they choose to offer. Yes, they can compete on plans (high deductible, low deductible, etc.), but they should be forced to offer each plan at a set price available to all.

Of course, there are many other reforms that are required, but this one is long overdue and is essential.