Why does Obamacare let insurance companies rip off people with pre-existing conditions?

The new Obama Healthcare Plan guarantees that insurance companies cannot deny coverage to someone with a pre-existing health condition. Why does it give insurance companies the freedom to choose how much they charge for premiums on someone with a pre-existing condition? My son has a rare disease called Cystic Fibrosis, I am a single parent and can't afford to pay $500 a month for his insurance premiums. Why does the government give insurance companies to charge what they want?
 
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