I think it varies by state as to what the company can or can't do when you're coming in looking for insurance. Like, no one has refused me coverage (just wanted an arm and a leg for it, or to not cover my pre-existing conditions, which makes the policy pretty well useless) but when Nic was looking for new coverage because her work coverage sucks balls, several companies refused her outright on the basis of something or other in her medical history. (I've also spoken to someone who brokers insurance for folks who has had similar problems.)
The whole business of pre-existing conditions is, imo, probably a much bigger practical problem than people being refused coverage outright. (I mean, with my condition and the treatment for it, an insurance company could probably quite happily argue that all manner of things, including getting a cold or infection, fall under the 'pre-existing condition' header because my decreased immunity is directly related to my condition.)
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The whole business of pre-existing conditions is, imo, probably a much bigger practical problem than people being refused coverage outright. (I mean, with my condition and the treatment for it, an insurance company could probably quite happily argue that all manner of things, including getting a cold or infection, fall under the 'pre-existing condition' header because my decreased immunity is directly related to my condition.)