Someone’s gain is someone else’s loss. If you are covering pre-existing conditions, you are rasining the cost of premiums to members to esnure adequate resources to pay for any eventual outlays associated with ongoing care that will now be covered by insurance.
The other problem is people will wait until they get sick to buy a policy and then drop it after they get healthy cause they know whenever they get sick they will be insured again.
That is not how it works.
The unisured people with a Pr-ex condition will still end up at the hospital. We still end up paying for their care through higher premiums because the hospitals have to bill private insurance more money to make up for the uninsured...or they get on state medicaid which we pay through higher taxes.
Also many people with pre -ex don't go to the hospital until the condition is out of control=big$$$$. It's cheaper to maintain the condition with medicine and regular visits to their doctor.
I would rather have them pay a premium and be on private insurance than no coverage. We end up paying for it anyway when they have no insurance.