I was seriously overweight for a time. It did not get better until I was diagnosed with a genetic disorder and began getting proper treatment for that. Until I had a proper diagnosis, my body just did not seem to work the way everyone told me bodies worked.

I ate healthy. I exercised regularly. I was well educated and well read. Yet my problems seemed to defy solutions for a lot of years, until I finally got the right diagnosis.

Most people who are overweight wish they could solve it. They often don't know how, even after taking all the usual advice.

New research into things like gut biome is beginning to cast light on such phenomena, but this is hardly a solved problem, contrary to what many people seem to think.

However in general I think pre-existing conditions need to be handled by something other than "insurance" and the trick is to do it in a way that doesn't incentivize people from foregoing insurance until they get sick.