If you own a calculator, you can figure out that it's impossible to cover pre-existing conditions and stay solvent. In fact, there was an almost unknown program in 2011 that was part of Obamacare, before the big program was rolled out, which allowed you to buy health insurance if you had a pre-existing condition. It was not advertised, but my insurance agent knew about it.  I was turned down for private insurance because I had high cholesterol and I was not taking meds for it. (My Dr told me to take red rice supplements instead). I signed up for this program. A year or so later, it was shut down, and the website actually said it was shut down because too many sick people signed up for it. Before all this nonsense started, you had to be on your insurance plan for 6 months or so before you got sick or pregnant, to get covered.  Covering pre-existing conditions is like allowing people to get fire insurance after the fire starts, or flood insurance when it starts raining. You aren't covered for a flood if your flood insurance is less than 30 days old. It's simple math.