Los Angeles Times

Consumer Confidential: Health insurance for dummies: Why we cover pre-existing conditions

It never fails to astonish that the biggest critics of Obamacare seem to have no clue how insurance works.

They wrap their criticism in high-minded declarations of "choice" and "personal freedom," but the bottom line is that insurance - all insurance, not just health coverage - is a tool for risk management, and there are smart, efficient ways to do that and stupid, expensive ways to do it.

Conservatives by and large have picked stupid and expensive as the way to go.

The Trump administration last week issued a final rule on "short-term, limited duration insurance" that officials say will invigorate the market

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