I don’t want to give power to insurance companies but, given the choice, that’s better than giving it to the FedGov and crooks like Harry Reid.
This practice is not abusive. What is abusive is thinking you can wait until you hit trouble and then expect somebody else to pay for it.
From your comment: I dont want to give power to insurance companies but,
... but you've bought into the premise that the insurance companies are exercising 'power' here, when they are simply exercising their constitutional rights to not do something they think is stupid - and giving insurance coverage after the fact is really stupid, as insurance by definition is a payment to cover future risks.