No I dont think your wrong with your analogy, it just might too extreme. Its important to understand that "obamacare" will not cover ALL exisisting conditions. If Im correct, and I think I am, it will only cover those conditions that are not terminal and that most cover already. The idea of Obama care is to allow the opportunity for those who have never had insuarance to become insurable. Most of the conditions that will be covered will be predictable and will still maintain a healthy profit for the insurer.