If one has never been sick before, it is difficult to imagine the phenomenology of sickness. It doesn’t help either that most people would probably prefer to think about something else anyway, but the fact remains: if you are severly injured are fall critically ill, you probably won’t be able to work. If you aren’t able to work, unless you have been a dutiful saver over the years (most Americans are not), you will struggle to pay health insurance premiums if they’re available to you at all.

This is a rather tragic circumstance because so many otherwise careful, hardworking, responsible people are caught in this trap, and I encounter it everyday. Just because I sell individual health insurance, however, does not mean that I am insensitive to this. I hope that there is health insurance legislative reform. I hope that one day all Americans are covered by some form of health insurance. In one of the richest countries on the planet, this is only right.

The idea of challenging the durational residency requirement on Constitutional grounds is interesting. If the challenge succeeds, however, I wonder if the states that offer guaranteed issue coverage will become inundated from people of other states seeking health insurance. I wonder how long these programs will then exist as they currently operate.