I worded poorly. Your poor life decision wasn't getting cancer, it was not having insurance in case you have a big illness/injury.
Understandable.
The only issue that could arise would be a middle class person losing their job.
A typical person that basically lives paycheck to paycheck.
Sometimes it's a decision between keeping your house, knocking out utilities, eating, feeding yourself/kids.
At this point, health insurance may become unaffordable. You may rationalize that you could do without until you get another job......which you typically can.
This is a risk you calculate and take. And you must live with your decision.
But before the ACA, this would have made you excluded for certain conditions due to your lack of coverage prior to getting the new coverage.
Maybe there was a waiting period, or maybe excluded altogether. ( And in most states, your actual number of days for lapse in coverage plays a role, too. )
I hate, nay, LOATHE the ACA.
It's a piece of garbage screwjob to ALL Americans.
NOTHING should be forced on you.
But I liked the Pre-Existing clause portion of it due to my experience in the industry.
That could have been handled on a single piece of paper, though.
I just find it tough to swallow discriminating against someone when it comes to their life, to their well being, to their general health.
Kind of different from a car which is essentially a luxury.