For example, one big reason that our rates are skyrocketing is that it is becoming illegal for CareFirst and all other health insurance companies to deny someone with a preexisting condition. ... This is just plain stupid; it violates the entire point of insurance and will result in people gaming the system.

This sentiment is inhumane. "If you get hurt or catch a disease, too bad." The dollars don't matter here. We have to provide care for everyone. Who can plan ahead for catching necrotizing fasciitis or being in a bad auto accident or some other horrible thing? And just because you had the misfortune to be stricken with some horrible thing means you should lose the ability to participate? Even a chronic condition like diabetes, you know, with real wages down in comparison to all expenses going up, it shouldn't be surprising that a person might forgo health insurance in favor of rent, food, shoes, etc. Not surprising, and certainly not contemptible.

This kind of 'free market' thinking should be exposed for the fantastically immoral nonsense that it is. Of course there are going to be people that game the system, no matter what system is in place! But to deny legitimate expenses of lesser extents in an effort to stem illegitimate losses at greater extents is itself "just plain stupid." It is appropriately metaphorically cutting off the nose to spite the face - a self destructive overreaction with nothing more at its heart than spite.