You care too much about people who have bad credit because they did or did not do something than those, with pre existing conditions, who won't be covered if the Healthcare law gets dropped. and those are only the tip of the iceberg for loss of the healthcare law, including kids, those who have healthcare caps will lose their homes because of them, etc., etc., etc.
You are out of your mind.
I couldn't give a crap how much it costs to someone with BAD credit to get some.