A solution for the pre-existing conditions problem?

When challenged about the unprecedented, and very likely un-Constitutional, federal mandate that every person in the U.S. purchase health insurance, Democrats common retort is that without the mandate we cannot address the problem of insurance companies turning people down for pre-existing conditions. Not.

Their rationale is that without the mandate, but with a requirement that insurance companies not discriminate based on pre-existing conditions, people will just wait to purchase insurance until they have a need for it. If true this would indeed violate the very essence of insurance which is to spread out the risk of unpredictable expenses.

There is perhaps another option. Insurance companies can be required to not discriminate on pre-existing conditions when someone is transferring from one insurer to another. In other words, nobody is required to purchase health insurance. There is no un-Constitutional federal mandate. If you already have insurance though and simply need to transfer from one insurance company to another then the company you are transferring to must accept you, pre-existing medical conditions and all.

If you choose not to purchase insurance then you will be on your own for most medical expenses. But once you are in the insurance pool, and as long as you stay in it, then you’ll have no problems transferring. This eliminates the pre-existing conditions problem, protects the integrity of the insurance companies, and doesn’t violate our Constitution.