First off, you use PEC's so vaguely that it's hard to even debate with you. There are literally thousands that I could label as a PEC yet only a small fraction of those is going to require long term, costly treatment.
Second, I just told you that my family members' insurance, with a PEC, WAS cheaper before Obamacare. Why? Because her insurance plan accounted for this, she did pay more than me, but she was only paying for that coverage. Now, her insurance is even MORE expensive because her plan must cover a laundry list of PECs that DO NOT APPLY TO HER. And now her treatment is rationed back from the frequency of what it was.
Third, not all PECs are created equal. Many people have PECs that they were born with or had absolutely no control over. However, millions of people have PECs that they directly created themselves by leading shitty, unhealthy lifestyles. How many people went to buy insurance with diabetes, heart disease, obesity, joint and muscle impairment, lung disease, cardiac complications, etc etc etc? How many of those people manifested their own PECs by eating like shit, drinking too much, smoking, taking drugs, etc?
I'm sympathetic to the idea that we should help cover PECs, to some degree, that are hereditary or things that people had no control over. I am not sympathetic to the idea that we should gouge healthy and young people to cover the millions of Americans who choose to lead shitty, unhealthy lifestyles and demand everyone else pay for them.
That's the irony- our health care costs across the board would be a fraction of what they are if people simply lived healthier. So much of our costs go to treating people that have created their own ailments by lifestyle. Yet all I hear are the snowflakes telling us that we can't fat shame people, the proliferation of drugs is a good thing, and that we should just accept people rather than ask them to alter their lifestyles.
