The insurance industry left to its own devices has been denying HIV positive people coverage. From the New Republic:
Imagine this: Not long after getting word that you are HIV positive,
you receive a letter from your insurance carrier. They're revoking your
coverage because, upon examining your medical records, they've decided
you knew about your condition and hid it from them. You have no idea
what they are talking about; you bought this policy before the
diagnosis. But when you inform them of this, and even provide some
evidence that their investigation is in error, they ignore you.
Meanwhile, you're on the hook for unimaginable medical bills, since
you're uninsured and there's not a carrier in the world that will take
Jerome Mitchell didn't have to imagine. It happened to him.
Death Panels anyone?