Unless your (kid's) care is denied because it's a pre-existing condition. Or for some other pretext.

In 1993, it would have been. In 2026, he cannot be denied coverage due to Affordable Care Act passed in 2010.

However, because more people are getting more healthcare, like my son, premiums are higher. Which, as I explained, are not premiums, but rather taxes. So OldSchool is comparing a $300 per month premium with benefit maximums to $3,000 per month taxes, which are not comparable.

And it’s not the insurance companies that cause the $3,000 premiums, it’s the medicine manufacturers and hospitals and doctors. My son is on medication that costs $80k per dose, and each infusion visit is $10k at least. And, of course, the legal liability each step of the way.