[St_Thomas_Aquinas]

I don’t know... This is a problem area. As things go now, if your wife gets, say breast cancer at 35 and beats it, she is basically uninsureable for the rest of her life. That puts her in a real tough spot... Perhaps rules could be written that would keep people from gaming the system and still allow her to get insurance.

For instance, If she is insured at the time of her initial diagnosis and covered for the breast cancer, then the insurance industry can’t consider it a preexisting condition for future policies.

The best choice is to leave cases like this to charity. And in a free America, no one would fall through the cracks.

But there's a long way from here to there. In the interim, perhaps it would be possible to put the uninsurable into a pool for healthcare providers to bid on. This wouldn't be insurance. Simply bidding for care. The care would have to be tax-funded. Like Medicare.

In practice, Romneycare isn't working in MA. Rates are skyrocketing.

[Theoria]

Yes, but part of the reason that they are skyrocketing is because of health insurance. If everyone paid cash or could only afford by paying cash or layaway, the prices for medical treatment would fall overnight.