I'll answer your question later today when I have more time. I wasn't on the board last night - I'm in a dice baseball league and was playing a series. I don't think I gave you a reason to be so snotty.
Okay, here's a very short answer - your response addresses competition in the health insurance market and is fine as far as it goes, but it doesn't address the access issue. I'm speaking specifically about folks with pre-existing conditions. How do they get affordable health insurance? In the insurance world, the answer is guaranteed issue - but how do you keep things from becoming unaffordable for everyone else? The answer is an individual mandate - you need to expand the insurance pool so the less healthy don't cause rates to rise for everyone else. RomneyCare's intellectual underpinnings, if you'd research the subject, are conservative - the idea surfaced, I believe, in the seventies as an alternative to single payer that would preserve the private insurance system.
Just a general statement about preexisting conditions and health insurance. If it is a preexisting condition, i.e. we know that medical care will be required for it, insurance can't cover it. Insurance is, by definition, something in place in case something currently unforeseen happens.
So, it seems to me, that something entirely different needs to be in place,
should we decide that the federal government should provide health care to citizens.
Including preexisting conditions destroys the insurance model that we are familiar with, and, as we have seen, will inevitably cause insurance companies to lose money and withdraw from the market or require bailouts to stay afloat.
There are some options, and Ben Carson's is the one I am most familiar with and that makes the most sense.