Assuming you believe the affirmative of your question. So you request someone explain the futility of allowing someone with a known condition be allowed to insure against the occurrance of that condition possibly occurring? Do I understand your question properly? And, I am completely confident I have clarified your position. Would you care to explain why someone with a known medical condition be allowed to purchase insurance to offset the cost of the possibility that medical condition might exist in their life. Should someone with a home that burned down last night be allowed to purchase Fire Insurance today? Should someone who endured an automobile accident last night be allowed to purchase Liability insurance today? If the answer to either of those question is no, why should someone with a certain medical condition be allowed to purchase INSURANCE against the possibility of that condition occuring? Insurance is an effort to hedge the possibility of a future expense today? Do you not understand this?