Pre-existing conditions are assumed to shorten a person’s lifespan which is why insurance companies may not offer such clients the lowest rates on coverage. I think this is reasonable because insurance companies are also in business and they are trying to minimize on the amount of claims. As a client the best you can do is to adopt the right strategy to improve certain pre existing conditions that you may have before taking up insurance.
Insurance is pooling the cost of an event or situation amongst a large group of people. To outright deny one set of people for having a preexisting condition (and to outright stop them from looking into a potential health risk due to the increased risk of being unable to afford or obtain insurance for fear of it becoming a "preexisting condition") is ridiculous.
As a society we cannot just allowed people to die from treatable illnesses, regardless of their financial situation. It's abhorrent, and it could be us one day.
Insurance is supposedly there to help those in need of medical assistance, yet it becomes quite evident they are profit-driven through their not wanting to cover anyone with a preexisting condition. As someone with such, I once had a rider put on my health insurance that the insurance company would not cover anything internal. Which is just about everything, when you think about it. By making such ridiculous exclusions, insurance companies are keeping the people who truly have a need for insurance from having coverage.