Exclusions of pre-existing conditions are limited by federal law to the first 12 months of coverage at most (and in WA and other states to much less). So I really do not think it's as much of a problem as being outright refused coverage.
I know it's essentially impossible to obtain worthwhile insurance except through employment, and that's certainly a problem, but it's a different problem.
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I know it's essentially impossible to obtain worthwhile insurance except through employment, and that's certainly a problem, but it's a different problem.