Devil's advocate: Pre-existing condition = uninsurable. If the ACA is overturned.
I have a genetic, progressive neuromuscular disease, proven genetically, Hopkins geneticists advised us against having our kids tested.
As much as I think our government needs some serious overhauling, I do not think they will allow insurers, no matter who is behind the policies, to discriminate in future
because everyone has a pre-existing condition. Some more serious than others but almost everyone out there has a health issue which can be classified as such. If they want everyone insured, they cannot allow this to happen.
They do need to find tune that because althought the ACA claims they do not discriminate, there's a big catch that no one seems to want to talk about. They can legally charge you up to 3X the rate of a healthy, young person. Those of us with pre-existing conditions will end up with policies you will not be able to afford and you cannot get subsidies unless your income is on the lower side.
I agree that the less your insurance carrier knows about your medical problems, the better. I chose to pay out of pocket for my gene testing and blood work 10 years ago because of this and a good thing because I have a double Celiac gene and I failed all the testing by huge numbers.