Last night on TV someone was griping about pre-existing condition clauses in medical insurance policies. I am not trying to be a defender of insurance companies, but if those clauses were not in there the insurance companies would go out of business. Why? There would be no need to carry insurance until you needed medical care. Diagnosed with a melanoma? Call the insurance company and tell them to start your coverage. After your treatment is finished call them back and cancel. They would have a 100% load of sick people and no healthy people to balance the load.