The first issue can be fixed by completely cutting the link between medical insurance and employment. There's no good reason why it has become the norm for employers to pay for medical coverage for their employees and even their employees' families.
The second issue involves insurance coverage for pre-existing conditions. It sucks to be in that position, but requiring a medical insurance carrier to cover a policy holder with a pre-existing medical condition is like requiring a life insurance company to sell someone a life insurance policy after that person has died.
That is what public health hospitals used to be about, treating the uninsured.
Again, I agree. Let a person search and find their own insurance. Sounds good to me! Free markets!
Second, and this isn’t really a slippery slope, it’s simple morality. If someone has been covered under insurance for a medical condition, and then for any reason, they have to move to a different state. They can be excluded from insurance coverage. They are left to rot, to “suck it up” and fend for themselves. They make too much money, and aren’t the poor protected class and can’t get medicaid. What is so right about that?