[kvanbrunt2]

I think the pre-existing condition problem stems from the non portability of work based coverage. if you lose your job and try to get insurance with a condition, the plan may not cover your current issues. people will wait and not sign up until sick is not a pre-existing condition per se but should be handled by a risk pool. I think car insurance puts you in a high risk pool initially if you haven’t had it for a period of time

[grania]

That's why I'm saying their obligation would be to sign up for insurance coverage as soon as they need coverage, or they get a two-year waiting period.

That person who loses their job and has a pre-existing condition would have to sign up for the government policy to be immediately covered.