Health Insurance Is Only For Healthy

You state, "Ostensibly, rescission is intended to protect insurers from people who lie about their health to get coverage. By guarding against fraud, the logic goes, insurance companies can keep costs down for people who don't cheat. That's fair enough."

Not really.

Pre-existing conditions preclude most insurance coverage. Insurance companies are dropping coverage when they learn someone is sick and they will not offer coverage if they know someone is sick. Insurance companies are in the premium-collection business, not the claims-payment business, and certainly not in the business of health care for sick people - it's bad for the bottom line.

The best way to keep health-care costs down is to eliminate the middleman, i.e., the insurance companies that pay bonuses to cancel policies.

At some point we must realize that compassion and common decency compels us to provide care to anyone who is suffering sickness or injury. Health insurance is only for the healthy.