Joey, you do not understand my argument.  Insurance companies do insure healthy people with the promise of protecting them financially and medically if they become sick.  They are betting that you will not become sick.  You are covering your health and finances in the event that you do.  Insurance companies have countless mathematical tables detailing risk for people with life style habits, pre-existing medical conditions, weight, age, marital status and everything else they think will effect the policy they sell.  They will price the policy (or not) according to that information. Young jogging females are a better risk than fat old men who smoke.  Life insurance and auto insurance work in similar ways.   Obamacare turned this upside-down. 
The government has no pool for pre-existing conditions.  Medicare is an insurance policy paid by workers until retirement who are then forced into a government health care system.   
I think there should be separate government subsidies.