Pre-existing conditions should be offered for those who want to have such coverage. Others who do not want or need such expensive coverage should be able to opt out or decline such coverage and not be forced to pay for those who want to have it. Options are what makes health care insurance affordable. No one should have to pay for insurance that they don't want or don't need. That's freedom of choice and economic liberty. Apply the same logic to automobile insurance and see how everyone's insurance rates go sky high. I'd love to have accident forgiveness but would not like to pay for it. There are other priorities to spend limited funds on in life.