prexisting conditions

Lots of squawking in the DMV these days about health care reform; I admittedly haven't followed the debate as much as I should as it looks like the AARP will have me and my generation bearing the brunt of the cost for the next infinity years.

I have heard lots of talk about pre-existing conditions. I had a pre-existing condition when I was a 16 year old driver - I lacked driving experience (not my fault!) and I paid for this pre-existing condition in the form of ungodly insurance premiums (even for being a dude! Also not my fault).

Apparently these, lets get nuts and call them 'risk factors' made it more likely that I would cost my insurance provider money by making a costly claim. Apparently these greedy capitalist pigs operate under some sort of strange and totally unfair system where customers more likely to cost more money actually have to pay more for this insurance product they have to buy (by law).

Since I and other 16 year old drivers will, over the long term, cost more to be insured; why can't we be subsidized by older, safe drivers? Like the way a healthy 26 year old subsidizes old unhealthy people?

This is probably a bad analogy but thats what bloggers do - we twist the facts and get people to yell at each other!