Why preface the issue as a moral question? It is a business decision. Should automobile insurance allow you to buy a collision policy on your car that has a preexisting smashed fender, then expect the insurance to pay for repairing it?
Should people be allowed not buy health insurance until they are diagnosed with cancer, then be able to buy insurance to cover their chemo treatments?
Did you know that in most cases, preexisting condition exclusions only last for one year?
Yes, I’m very familiar with HIPAA.
I’m asking as a moral question because that’s how it’s being pushed. Moral and pure emotion—who could be against covering a child with a condition?
It is a moral question. Forcing people to pay for healthcare covering the pre-existing conditions of others and calling it “insurance” is both theft and fraud. Having said that, your fender example is an excellent way of illustrating the problem.