Should individuals with pre-existing conditions be able to purchase health insurance at the same cost as those without such conditions?

1, Should individuals with pre-existing conditions be able to purchase health insurance at the same cost as those without such conditions? Why or why not? 300 words with reference

2, What are the advantages of conducting a cost-benefit analysis on a new health care service an insurance company is considering, such as screening for prostate cancer as a covered benefit? 300 words with reference.