No, the moment you are diagnosed with a chronic or life threatening disease, your premiums no longer cover the medical cost. Otherwise what is the point of insurance. Moreover, many regulations prevent them from raising future premiums. So kicking you off the insurance plan or letting you die is indeed their primary concern

This is incorrect. How can they kick you off the insurance plan? Also, the ACA has provisions to prevent one insurer from having to shoulder the costliest patients via some form of cost sharing with all the others.

https://www.cms.gov/CCIIO/Programs-and-Initiatives/Premium-S...

> How can they kick you off the insurance plan?

They can investigate whether you failed to report any preexisting conditions, or otherwise violated terms of your insurance. Things that would seem to you to be a technicality may be to their lawyers a breach of contract. Do you have a lawyer who is up for that fight?

[1] https://www.justice.org/sites/default/files/file-uploads/Ins...

ACA, since 2010, made it so health insurance companies cannot discriminate for pre existing conditions.

If you notice, when you search for insurance quotes on healthcare.gov, it only asks you for age, location, and smoking status. And gender, but I don’t think gender can be used to price the insurance any differently.

It boggles my mind that people keep bringing up pre existing conditions a decade after they have ceased to be a thing. Also, your link doesn’t work.

https://www.healthcare.gov/coverage/pre-existing-conditions/

Which is why health care shouldn't be organized through markets.

A better way to put it is that health insurers don't want you to get "sick". So anything to prevent that is usually money well spent. That's why vaccines are so easy to get.