I am not aware of item 2 in the free market….prior to Obamacare. A principle of insurance is that when you have a claim, the company insuring you on the date of that claim is on the hook for that claim forever….that’s the risk. This is the evil of Obamacare - it “unisured the insured”
Also, the mini plans are the wrong way to go. Cat only,wtih high deducts, but something that will pay ALL of the cat is the soundest way to insure. Such plans are very much cheaper than most plans. This is the way we used to do it. It worked back then.
That became an Obamacare talking point though plans that dropped coverage during a covered illness usually get sued and lose.