That's the point of having insurance before something bad happens....
After all, you don't insure your house after it burns down, do you????
Piss poor analogy.
Actually it is a spot on analogy. You clearly have
NO understanding of Insurance. Let me enlighten you.
Insurance is an economic institution that allows the transfer of financial risk (ie-Medical bills) from an individual to a pooled group of risks by means of a two‐party contract with the Insurance company or companies. In order for that contract to be in full force and effect, consideration needs to be given by both parties, the proposed insured and the insurance company. The proposed insured pays premiums, the insurance carrier promises to pay losses(medical bills in the case of Health insurance). An individual with a pre-existing condition is only deemed to have a pre-existing condition
IF, and
ONLY IF, they have the condition and are without insurance for a period of time ( typically 6 months) prior to applying to the new carrier. Allowing someone who has not been paying their portion of consideration to have a condition covered (payed for) by the insurance carrier simply by securing coverage after the condition arises, is akin to purcahsing home owner insurance only
AFTER your house burns down and not ahead of time
IN CASE it burns down. It is the accumulation of those low premiums (relative to claims) over time that allows an insurance company to pay the high (relative to single premiums) dollar claims.