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That's exactly the point, boys. Insurance is designed to benefit the shareholders. Not the people buying the insurance. People don't actually need health insurance, they need health care. Health insurance is just the current vehicle for the delivery of the health care.

I'm guessing that you are all relatively naive when it comes to what the private market calls a pre-existing condition. My son's insurance company recently challenged a bill he presented. According to them, if he's been treated for any condition in the last five years, that condition is preexisting. Now that might make some sense if you're talking about a recurrence of arthritis-but they take it to mean that if you get treated for a burn on your hand, or an infection, or a sprain, and you get another within five years, that's "pre-existing". It's ludicrous.

That's what the public option was about. I assume you both supported the public option?

And yes, there are cost controls in the ACA. You are misinformed, Rick.