If insurance companies cannot rate people with preexisting conditions, we no longer have insurance. You cannot insure against something that has already happened. Coverage for preexisting conditions is simply cost shifting.
Charity/pay-it-forward programs sound like the thing here, but they’d have to be private, and the private parties would have to be able to fend off abuse. There cannot be even such thing as a quasi-government charity or it isn’t charity.
Otherwise yes, there isn’t an answer.
****You cannot insure against something that has already happened. Coverage for preexisting conditions is simply cost shifting.****
The general public understands auto insurance - if you buy a damaged used car, your auto insurance will not cover the cost of repairs.