It may seem that way, but that is not the reality.  It's a beautiful irony that, although the Affordable Care Act requires that all providers on the exchanges offer to cover pre existing conditions, there is nothing that requires them to do it for free.  Already one guy with a pre-existing condition, who can't get health care otherwise, managed to get a premium quote from his state exchange.  It was $33K per year in premiums alone, not counting the deductible and co-pay.  This was after the subsidy, too.  How about that trash?  I can't even get on my state exchange to see how I would fare, because it's been down since about 10 am.