Re:Wow (Score 1)

While an insurer may not be able to charge a higher premium because of your past health history, they can and do flat-out deny coverage. It is impossible for me to buy private health insurance at any cost, though I am in good health and never make non-routine doctor visits. Fortunately, I am persuasive enough that our company now offers benefits. Otherwise, I'd be uninsured once again - and the last time I was uninsured, I got sick and had to declare bankruptcy. Awesome.