People wait to get coverage because they can’t afford the premiums…not because they are denied coverage. As a matter of fact many conditions which are congenital are included in the pre-existing condition coverage denial conditions such as autism, spina bifida and juvenile diabetes. So if you are not born into a family where your parents can afford to pay for health insurance premiums they are forced to go on Medicaid because they would not qualify for health insurance otherwise The real problem is not who has what condition but how much the doctors charge for their services and how high insurance premiums are. The only way to bring the premiums down while making sure everyone has coverage is by heavily regulating the industry. Literally laws on the books mandating certain charges for medical procedures and mandating a cap on insurance premiums. Employers offered group insurance which people with pre-existing conditions could get but because of the high insurance premiums many employers have stopped offering coverage. They only solution to the problem is through regulation because if competition was going to keep prices down it would have done so already.