Hi everybody. Dennis Prager here, welcome to my home and this week's Fireside Chat and we'll open up with

Shuman's second symphony, second movement. Enjoy for a moment.

Shuman was in the about 1840s, I'd say he wrote this, he wrote four symphonies. This is the second as I said.

It's a very lively movement, I always picked the lively ones for this. I would love you to love classical music.

Anyway, I usually smoke a cigar at the Fireside Chat, but when I'm at my desk I alternate between cigar and pipe.

Ever since I was about 16 years of age, I love the taste of tobacco. There's no inhaling like cigarettes.

I should once just do a whole thing on the difference because there's so much nonsense and even malicious lying about cigars and pipes that has nothing to do with the truth.

By the way, it's very sad because the tobacco I'm smoking now was called the vintage Syrian. It's Syrian Latakia, it's a special type of tobacco, there are a lot of types.

It's not available anymore because you can't get anything out of Syria basically and so much has been destroyed.

It's hardly one of the great tragedies of the Syrian tragedy, but I'm just mentioning it.

Anyway, welcome to the broadcast. I want to open up about healthcare because it's in the news.

But I don't talk policy, so don't get turned off. I'm not a policy monk. There are and we need policy monks. That's just not my thing.

I divide the world among those who think there are tree people and there are forest people. I'm a forest person. I'm not obsessed with the trees. I'm obsessed with the forests.

I'm obsessed with the big picture. That's just the way I think, so that's the reason. But I want to give you a big picture idea on this pre-existing insurance problem.

Let me ask you a question.

If you sold insurance policies to people for their cars, you're an insurance company, you're a small insurance company, and you make a living selling car insurance.

Now, let me ask you this.

If people could buy your car insurance after they had a car crash, would you go out of business? Would you thrive? Which one?

The answer is you'd go out of business because if that's what people could do, nobody would buy car insurance until they got into a crash.

Then I'll buy the insurance and Bravo! The company pays for my damaged car. Is that a great deal or what?

That's what pre-existing condition is most of the time.

In car terms, your pre-existing condition is that you just had a car crash. That's your pre-existing car's condition or your car's pre-existing condition.

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