I see the pre-existing conditions being based upon having a condition that was covered under insurance and when one changes plans, requiring that condition to continue to be covered. Or to get it after having been a dependent and now is getting one’s own insurance. Example, my daughter who was hearing impaired at birth. Or my own having hip replacement while in the Army and requiring my post-military civilian insurance to include any future hip replacement surgery as part of the plan instead of saying “No insurance, it is a pre-existing condition.”
Versus Having a condition and trying to get it covered by insurance when one never had insurance before is like your getting insurance to pay for car repair after the accident.
Pre-existing conditions are not a problem with employer based insurance. Pre-existing conditions are only a problem with individual insurance. When the government regulations are such that employers dump employees on the government exchanges, that is when it becomes a problem. It’s a big problem, too.