You realize that the cost of individual policies is a function of insurance companies and politicians wanting everyone to be on group plans? Why use legislation to coerce people onto group plans at all (tax legislation in this case)? This is a loss of freedom. Get rid of the legislation that pushes people into group plans and the cost in general for all plans would drop. Stop the situation in whcih employers are the only viable source of a plan and the increased freedom and free markets would once again result in reasonable prices for health care. People might even choose group plans without coercion. Coverage for pre-existing conditions is an obomination of the contract system. Apply this thinking to other contracts and our whole system would fall apart. It IS only a matter of time before people start applying the concept to at least a few other types of contracts. How far will it go? There are much better ways to people with pre-existing conditions than to pervert contract law (unless the goal is universal single payer). The first goal should be to aim for reasonable health care costs. We COULD do it. The left rails against big corporations and in this case it is the big insurance companies that are in bed with politicians dooping the left. Obmacare just increased the number of people buying insurance! Without increasing the number of people able to get affordable health care.