insurance companies are a buisness and don't want to take an excess amount of bad risk. and you don't want to be insured by a company that does because their ability to pay claims will erode over time.
i'm not sure what the answer is. it's particularly difficult where someone had insurance when a health issue developed and then through loss of a job now faces problems obtaining coverage because of the condition.
but i don't want to pay the rates on auto insurance that would result if you could wait until after an accident to buy coverage. and that's essentialy the behavior encouraged if you tell people they don't have to have health insurance but that insurance companies are forced to sell it to them once they get sick.
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