I believe pre-existing conditions is when you have a condition and they won't let you buy new insurance. For example maybe you have a job and disease X. You lose your job and therefore insurance, and now you can't buy new insurance because you have disease X.
This is why it is not a great idea to go to the doctor if you do not have insurance, even if you are willing to pay; if he finds something bad, then you can't get insurance anymore.
On the other hand, I could see how this could be abused; why should a healthy person bother getting insurance until they get sick?
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