Individual Health Insurance

The health insurance industry as a whole needs to reconsider some basic challenges to the individual seeking insurance. I make my living in the health insurance industry selling individual and group health insurance nationwide. Frequently I am put in a position not able to offer coverage or quotes to an individual that has what is considered a preexisting condition. Often this person has no option at all to get health insurance. I guess what I'm looking for is thoughts on how we can protect all the interests of all parties concerned. I just feel for this people, often it is children.