What I used to say when I sold life health and disability insurance is that you cant buy insurance for a house thats already burned down. People get that pictorial image.
Insurance is when everyone joins into a pool to wager that they wont be hurt or sick, but if something happens, everyone else in the pool will assist them. But you have to decide to join the pool and pay the premium. You cant come along later and want the others who thought ahead to care for you as if you deserve it as much as the joiners do while not paying the price.
The pre existing conditions concept is a trap PDJT has fallen into. Because it is not insurance anymore but truly universal healthcare, which will bankrupt us all.
On the other hand I know what has happened to some. When they got a health condition they were then conveniently “let go”. Also, when people get sick and can’t work they must keep paying their premiums or they lose their coverage. They have mounting bills and lose their coverage. There are nasty loopholes that leave people in the lurch. Insurance companies will often do everything in their power to keep from paying out when the time comes when it is their turn to make the neccessary payments. Things do in some situations need to be more fair.