The fundamental problem is that we believe that health insurance is something that only should be received as a gift -- never obtained for oneself. Thus, we immediately assume that when a family does not have health insurance, they are to be pitied for not having received the gift, rather than being blamed for not having taken responsibility.
For Discussion. In the essay, I argue for mandatory catastrophic health insurance. In what ways would this alleviate the "pre-existing condition" issue with today's system, and in what ways would "pre-existing conditions" pose a challenge to a system of mandatory catastrophic coverage?