Covering pre-existing conditions is not insurance. Rather, it is a “gimme.”
Insurance is protection from the RISK of loss. There is no risk in a pre-existing condition, because the loss has already occurred. It’s like a property owner buying fire insurance on his house that is engulfed in flames. That ain’t insurance.
But it is like the government selling flood insurance to those in flood zones.
http://business.time.com/2012/10/30/should-the-federal-government-be-subsidizing-flood-insurance/
It’s a “giveme” that the vast majority of Americans want. They don’t want any American w/o coverage via govt. handout or mandatory requirement on insurance companies. It is what it is.