"Pre-existing conditions" - as genetic science and medica; technoogy progresses its probably going to become evident that most of the ills that affect us are down to "pre-existing conditions".

Cancers, heart disease, strokes, most things apart from accidents and infectious disease - and you can guarantee that there'll be private insurance companies who will use such advances in genetic science and medical technology not to imnprove health care, but to exclude people who need health care.
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I noticed that Doug ignored completely the coments on his assertion "With a private company, if you are not satisfied with that particular company's service, you can always sign up with a competing insurance company."