The whole notion of not paying more for a pre-existing condition is oxymoronic. Insurance was originally designed to help people pay for a future event, not to fund an existing one. Try calling GEICO to get collision insurance after you’ve been in a wreck. Or have your spouse call MetLife and see about getting some life insurance for you after you’ve kicked the bucket.
The entire thing needs to be blown up and built from scratch. Health insurance should be for coverage against catastrophic events. You know, like it was actually insurance. Have a heart attack, break a leg. You get paid from the group pooling its resources against the unlikely-but-inevitable happenstance.
A free market in goods and services for the rest.
(And true charity for those who need help, of course.)
It should be like car insurance. If I get into a wreck, I get paid from the pooled resources.
If I need new tires, I buy them myself in a free market.