FYI DC Tom, it was sort of interesting the scenario you put forth a while back and all I could say is nobody talks about that problem, no lawyers, no economists etc...I did a little snooping today about my day and found out why. I don't have a link for you b/c I just asked a lady I know who works in regulatory affairs and has worked with congress and directly with the white house on this very bill. She said the simple answer is buried in the bill you will see that it is impossible to simply do the cost benefit analysis, pay the fine when you are young and healthy, and then purchase. If you get a preexisting injury during that time if you do that then you are SOL despite the guarantee issue. AND on top of that apparently there's a scheme where if you don't get it when you can you get "locked out" of the market for a set period of time or something also...don't have have all the exact facts but just figured I'd put that out there. Nice point you made there though, it's not like any of us have read all those pages. Got me thinking anyway, but just so you know the Bill accounts for your scenario. It figures in all it's length they've thought about at least the most basic of problems.
Haha, I was being sarcastic man. Certainly wasn't proposing some crazy world.