Yep, it’s just socialized medicine.
...and already covered under “Health Insurance Portability and Accountability Act of 1996” (HIPAA)
One of the most important protections under HIPAA is that it helps those with preexisting conditions get health coverage. In the past, some employers’ group health plans limited, or even denied, coverage if a new employee had such a condition before enrolling in the plan. Under HIPAA, that is not allowed. If the plan generally provides coverage but denies benefits to you because you had a condition before your coverage began, then HIPAA applies. .
http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
So is the so-called federal program FEMA calls "flood insurance". It is not insurance, it is a contract with the Federal government where the Federal government pays people who have their properties flooded. The program has never sound from an actuary standpoint. Time and time again Congress pours billions in to the program after catastrophic losses. right out of the US Treasury. It is a huge loser for the taxpayers. All of whom pay insurance premiums via income taxes.
The FEMA/NFIP Federal flood insuranc program essentially covers pre-existing conditions too because it writes the so-called "insurance" in areas that are going to flood.
The government has no business being in the insurance business.