Community Rating is an Obama admin regulation which requires health insurance providers to offer health insurance policies within a given territory at THE SAME price to all persons without medical underwriting, regardless of their health status.
With this, you might as well NOT have an insurance business.
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.