If there is a provision that insurance companies cannot deny you coverage if you have a pre-existing condition why even get insurance till you need it? It would be cheaper just to pay the fine for not having insurance, something like a few hundred dollars for most people, and not have health insurance. You could just sign up for health insurance when you need it. This will just lead to about 200 million people being uninsured and paying for the other 100 million people being insured.