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Code speak for,"having to insure pre-existing conditions" which is not insurance at all, but theft by customer and or government.
Pre-existing conditions are covered in employer / group plans. It’s only a problem in the individual market - which was completely destroyed by O-Cares regulations.
A market based solution is to simply allow all individuals to join interstate pools at the same risk level of employer / group plans. That way you get all kinds of customers - old, young, sick, and healthy.
Unfortunately, we’re headed to government healthcare because there aren’t enough free market capitalists left in our Republic.