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A pre-existing condition is a risk with extant causes that is not readily compensated by standard, affordable insurance premiums. Pre-existing condition exclusions by the insurance industry are meant to cope with adverse selection by potential customers. Such exclusions have become a topic in the health care reform debate in the United States in 2009 and 2010. Several surveys over that period have shown a very strong opposition to the exclusions and support for banning them. (via Freebase)