I’m fairly certain he meant life insurance. In the US under the ACA, charging people higher premiums or cancelling their coverage due to pre-existing conditions is illegal

No it’s not. Life insurance premiums here go up when you have certain conditions (especially without getting them treated). Health insurance premiums here are pretty heavily regulated on such things, and they just offer a few discounts for a handful of things like getting an annual checkup, not smoking, and getting vaccinated.