[QUOTE=OCCH;4248638]Why should an insurance company "have" to cover someone with a pre-existing condition?[/QUOTE]
Because this is what the a**holes used to do.
Someone wants insurance? Fill out this form...and we will file it w/o looking at it all that much. But we will be happy to collect your premium payments. But wait? What's this? After 4 years, you want to file a claim? Let's take a closer look at your application.
Holy cow! You got sick as a child? Claim denied...and no, we will NOT refund you your payments. How would we make money then? The only way to make money is to collect more in premiums than we pay out and the best way to pay out less is to deny people.