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Tell you what, I will not buy an insurance at all because I know that if I get in really bad shape I will THEN go buy insurance for my "pre-existing" condition.

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You can't. The federal government mandates that you buy insurance at whatever cost they feel like charging you and then give insurance away for free to deadbeats.

The idea that you can just go out and buy insurance "when you need it" illustrates a serious misunderstanding of how the Affordable Care Act actually works. With very few exceptions (and sickness and injury aren't one of them), you can only buy health insurance thru the ACA Marketplace one time a year...between Nov 1st and Dec 15th. So, if you're diagnosed with Stage 4 Colon Cancer on February 1st, and you think you can just delay treatment until you get coverage, you're not only wrong...but dead wrong. In one year (almost to the day), since my diagnosis, my insurance carrier has been billed approximately $550,000 for my cancer surgery and treatments. I've paid roughly $13000 of that... in addition to about $23000 in monthly premiums...and the rest was either paid by BCBS and/or discounted via contractual max billing. The point being is that all it takes is one significant illness to bankrupt someone who thought it was a good idea to forego coverage "until they needed it". Some health issues can be successfully delayed until coverage is obtained...but the more serious ones cannot. Do you really want to take that chance?