Harry you're wrong on preexisting conditions. Until my son got on a group plan where he now works he was unable to get any health insurance for years. He was on his wife's group plan for some of that time but was repeatedly rejected when trying to get health insurance on his own. That's one part of Obamacare that I support, but keeping kids on parents health plans to 26 is ridiculous imo. 22 as long as they're enrolled in college makes sense.