I think I've mentioned in other threads that my care last year came to $429,000. Medicare more than likely didn't even pay $100,000. Still, what insurance company could afford to take me as a policy holder? It's likely I'll rack up those kind of numbers this year or next. They have no options except to have high premiums, deductibles, or both, or to amortize the cost of people like me across their entire customer base. (This is all obvious to all obvious to everyone here).
I can't think of a way to cover existing conditions without raising the premiums somewhere.
I was lucky, and had some foresight, in 2015 when I signed on for my Medicare supplemental insurance. Most people go with the $70 supplement, but I paid for the most expensive ($180) per month plan that paid every last cent, as I knew I would be having surgery in January. As it turns out, that was a better decision than I ever could have imagined.
The only route that's fair is to have those who have pre-existing conditions either pay extra for them, or not have them treated. That's where I am now. I can't afford a bone marrow transplant, so I just get whatever time I get.