I understand the argument but it isn't quite that simple.
What about someone who maintained insurance via their employer throughout their adult life. Suppose during that time they contracted a chronic disease. They then end up in a situation where they have to go to the individual market to purchase insurance.
I maintain that they did everything they should have and had something bad befall them - exactly the circumstance that insurance is intended for.
Without protections for pre-existing conditions they won't be able to get coverage.
Actually it IS that simple, read 114. You CANNOT write INSURANCE to cover preexisting conditions, you may call it insurance but it is not. You may call a turtle an eagle if you wish but you can never make him flap his wings and fly.