If a health insurance company covers a pre-existing condition, is it really insurance? I can understand why health insurance companies don't cover pre-existing conditions: I think it would a no-win situation for them. First off, is this true? And if so then why doesn't the US government step in and pick up these people (with pre-existing conditions)? Sure it would take tax money to do this. People with pre-existing conditions that are picked up by this government pool would have to pay a premium to the government that would be consistent with the insurance companies for a normal person -- maybe even significantly more. The government payouts would then also be consistent with (and no more than) what an insurance company would pay out for a client that all-of-a-sudden contracted the condition in question. Also, the gov't would thoroughly vet this pre-existing condition to ensure that the insurance company wasn't trying to sluff off customers onto the government insurance. Would this sort of system be too expensive? Too much tax money used? Too hard to oversee?