Only if everyone buys insurance can insurers afford to cover people with preexisting conditions or pay the costs of catastrophic diseases.

Money buys the most experienced teachers, less-crowded classrooms, high-quality teaching materials, and after-school programs.

We were told the insurance would pay 80 to 100 percent of medical expenses for catastrophic illnesses. When both of us were hit with catastrophes within one nine-month period, we were left hanging with $180,000 in unpaid medical debts. The insurance paid less than 15 percent. And we worry that others like us will end up risking their health, and their lives, because of costs.

Civility costs nothing and buys everything.

Civility costs nothing, and buys everything.

In order for Obamacare's cost structure to work, millions of Americans must sign up to pay inflated prices; that would help pay for the subsidies to cover insurance company costs on those with pre-existing conditions.