Pre-existing chronic conditions are no more a matter for insurance, as properly defined, than regular check-ups or prophylactics, male or female. 

By definition insurance is designed to deal with forseeable -risk-, not known conditions nor voluntary actiobs. There may be a place for coverage for those,  even subsidized, but calling it "insurance" is patent nonsense designed to evade precision in thought and resultant hard choices.

Asinine cowardice, to be brief.