Mike Huckabee is wrong. Insuring people who have a pre-existing condition is not like buying insurance after your house has burned down. A more accurate analogy is not covering a pre-existing condition is like having your house burn down and your insurance company refuse coverage because you own matches.
"You have matches? Oh, we're sorry your house burned down but that's a pre-exisiting condition. That means the insurance you've been paying for all these years is null and void because your previously kept matches in the home."