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ve often thought the best way to proivde health insurance for pre-existing conditions would be to have the lifetime cost of the condition paid by whatever insurance company you had when you were first diagnosed. An interesting proposal that has never occurred to me. In a way, it would be like auto insurance or malpractice insurance. Even when the policies are discontinued, claims for events that occurred while the policy was in force are covered until up until the statute of limitations negates the possibility of a legal claim.