Quote Originally Posted by Echonova View Post
Let's pretend Blank's house burned to the ground, thankfully no one was hurt. First Blank called the Obama for a bail-out, but Obama was too busy playing golf to take the call. So Blank dials up Allstate insurance...

"Thank you for calling Allstate Insurance where you are always in good hands"

Blank responds "I need to get fire insurance for my house, it just burned down."

"It... it... it has all ready burned down sir, Did I hear you right?" Customer service asks

"That is correct, why else would I be calling?" Blank says indignantly.

"We can't insure you for damages that have already happened" she timidly says.

"Why not" Blank asks "it's not fair to deny coverage for a preexisting condition".

"Sir" she replies, her voice a little firmer after the realization she's not talking to a rational person "I'm not sure you understand how insurance works"...
I feel like you don't understand how analogies work.

A person getting insured with a pre-existing condition would be like buying insurance for a house that's in the middle of a flood plain. Your analogy is like buying health insurance after the user is already dead. Death is not a pre-existing condition.