I mean, I think that is the problem with "insurance" vs "coverage". "Insurance" is about pooling unlikely but costly risk, like getting hit by a meteorite. Unlikely, it happens, but there will be head trauma, CAT scans, x-rays, and hospital stays. That is what insurance is perfectly aimed at.
People with known medical issues aren't really looking for insurance, they aren't pooling risk, they are sick. They need coverage. Businesses can easily handle insurance, but coverage is another matter. You are talking about people you know will cost more than they payout. That's charity, and better left to the state than the private sector.
