Problem: Insurance companies "unfairly" exclude children with pre-existing conditions from most sorts of health insurance policies.

Solution: Make them do it anyway.

Result: Children's insurance? What children's insurance?

If a thing can be done profitably, in a genuinely free market it will eventually be done. If it can't, it won't. Forcing someone to do it anyway out of a misguided sense of what's fair doesn't magically make it profitable, it forces the companies suddenly under the government's thumb to flee the market.

As ever, it is always better to starve in the name of justice, than it is to eat in the shadow of prosperity. As long as it's us doing the starving, that is.