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Right now the GOP in congress are once again looking at allowing insurance companies to use pre-existing conditions to keep from having to insure higher risk patients. Then they will do as Ryan has wanted to do for years, change Medicare to a voucher system where those on Medicare will have to buy insurance from private companies with the limited amount of money provided by vouchers. Since a very high percentage of those over 65 have some form of pre-existing conditions, most won't be either able to even buy a policy or afford one if offered. TO give you an idea of what pre-existing conditions can cover I was able to retire at 58. My problem was I couldn't get health insurance. I was healthy and walked 5 or more miles a day, but like many of my generation I had slightly high levels of blood pressure and cholesterol, 135 over 85 and 190 without meds. I had no heart disease and still don't at 72. When I applied for insurance I was told I was high risk and neither the plan I applied for or any other insurance company would insure me. I had to find a temp job that paid for health insurance. If so minor a problem made me high risk, I would be without a doubt say that most people over 65 would be unable to buy insurance no matter what the cost.