The people with pre-existing conditions are placing an unfair burden on everyone else who uses medical insurance sparingly.  They are mostly to blame for sky rocketing insurance costs.  Maybe not in your case , but in most others.  The other huge factor is all the free loaders who pay nothing for their medical care and scream that others should pay for them. Democrats have taught a generation that government is there to care for them---that they have zero responsibility to take care of themselves .  Even now people believe the government owes them everything for free.