>FWIW, there's a family history of very early cardiovascular disease that would provoke an exclusion if Paul ever had to seek health insurance on the open market. Whatever else you may say about the ACA - pre-existing exclusions, rescissions and refusals are unlikely to be politically acceptable ever again. Which is a HUGE positive step whatever else may happen.
>

Why is it positive?
The insurers could have done that on their own a long time ago but opted not to in order to keep premiums low for people with lower risk of incurring catastrophic costs.

Give than logic, I suppose that life insurers should be required to issue policies on hospice residents.