One cannot insure against an event the probability of which is 1. It violates the very concept of insurance.
I have a homeowner's policy for which I pay about $400 a year. It insures against various adverse events such as fire. Suppose I didn't have the policy and my house catches fire. Do you think I could call up an insurer and buy a policy to cover that preexisting condition? Not for $400. He might, however, sell me a policy on the spot for the replacement value of the house.
Or suppose I am on my deathbed enjoying (if that's the word) my last sunset. Do you think I could buy a $500,000 term life policy for, say, $2 K per annum?
Do you understand the concept of insurance? Do you see how this relevant to ObamaCare? If not, read this.