[claricecolin]

Before ACA an insurance company could refuse to sell you insurance based on preexisting conditions based on state policy. If they did offer insurance there was often no cap on what they could charge for premiums. So not a matter of being unwilling to pay might not be able to get coverage at all or not being able to afford it. You had serious medical issue as a child getting coverage as an adult would be difficult. If preexisting conditions are repealed with no replacement am willing to bet covid becomes one.