Define "pre-existing"

John 1 (Americans 0):

(via crosswalk.com)

ı In the beginning was the Word, and the Word was with God, and the Word was God. 2 He was in the beginning with God. 3 All things came into being through him, and without him not one thing came into being. What has come into being 4 in him was life, and the life was the light of all people.

I can have been in multiple auto accidents - causing all of them through my own faults - have had my driving privilege revoked (temporarily), and still be able to purchase (government mandated) auto insurance (albeit at a higher cost).

I can purchase a home in southern California and many agencies would still sell me flood, mudslide and fire insurance, though it would be more costly than for someone in, say, Montana.

The point is, I could get it.

How does, "sorry, you had that before you got here," only apply when you're paying for medical care?

If I'm a woman and I've had a C-section or been the victim of domestic abuse, or if I was born with a congenital health issue and turn 18 and am no longer covered under my parents' plan, under all the circumstances I can find myself unable to acquire health insurance. They just won't sell it to me.

Or, having an insurance policy, if I change jobs and get a new employer-sponsored health plan or my current employer changes providers, or again am the above woman, I can, legally, be denied payment for necessary treatments.

Sometimes we need to pay for conditions we already have. And if we're paying for "just in case," we expect the case to be paid for, should the time arise.

Without payment there is no treatment. Without treatment, there is severe illness and death. And we allow this to go on.

The idea that something could have existed in some form before it became manifest is a debate for theologians, philosophers and quantum physicists. Not politicians and lobbyists. And if more insurers employed more theologians and philosophers, there wouldn't be much of a debate at all.

Word.