So you are stating it is "moral" to wait until you have a condition to enroll for insurance?

There are other tools to combat that kind of gaming of the system, though. 1) have enrollment windows (already in place to some degree), so you can't just wait until you have an issue to enroll (unless you get lucky and get sick in the window), 2) longish-term contracts (e.g. at least one year), and 3) have some regulation on what a "pre-existing condition" is, to allow people with chronic, long-term conditions to get coverage but protecting against someone who, say, breaks their leg in a bike ride signing up for insurance during the ambulance ride (if he were lucky enough to break the leg in the enrollment window).

The moral hazard of the enrollment window is it get incentivize people to live with their condition until they get to the next enrollment window.

And you missed the randomly capitalized H in the middle of a sentence, the incorrect use of "your," and some missing punctuation.