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You are correct to a point but there is also a larger issue at play.  This forces people to be repsonsible for themselves and manage their own healthcare.  Liberals don't want that as they want the "rich" to pay for others needs, more than they already do.  That is the issue here...its not access to health care, pre-existing conditions or anything else they really try to demonize.  They want to STEAL your money so they can pay for the "needs" of someone else.