It depends on how ‘pre-existing condition’ is defined.
Suppose you have a bit of tendonitis in your ankle, and fail to disclose it. Then, ten years later, you can get a brain tumor, and they will deny you coverage because you failed to disclose your ankle problem.
Nearly everyone has some minor health issues.
I want t drop my auto insurance and pick it back up when I have a pre-existing condition of having my front end crumpled inward.
You can play linguistic games with this all you want. The fact is if you force “insurance” to cover preexisting conditions, AND force them to charge the same rates they charge everyone else, you will either drive the rates up to atmospheric levels, or bankrupt the insurers.
Corporations have never been obligated to issue contracts to anyone in this country who was willing to try and secure said contract by deceptively representing a lack of existing conditions that would lead a corporation, or any individual, to reject, or modify said contract.
The laws of states have almost uniformly, since the founding of the U.S., allowed any such ill-gotten contract to be rescinded upon discovery of such misrepresentation, intentional, or not!!!
Most health insurance/health plan contracts specify conditions and time periods for which there will be no coverage in any event and the applicant is usually made aware of any such "limitations and exclusions!" Without these, it's is generally impossible to actuarily determine how much to charge for the risk being assumed so at least a time cushion is provided the insurer to allow reserving for early claims.
Most starry eyed, emotion driven liberals just can't seem to comprehend this basic fact of contract law!!!
Yes, and some minor health issues are statistically correlated with later major health issues, which is why you need to be honest on the original application.
The question the insurance company is asking, and which they have a right to ask, is "Are you part of 'nearly everone' or not?". By lying about your minor health problem, you are claimly to be 'not everyone' and falsely claiming the right to a lower health premium.
The only way that the question should not be asked or the answer is moot is if the insurance policies are required to be community rated. At which point everybody pays the higher rate as if there were nobody without current problems.