[JamesWilson]

Insurance companies don’t ration care. You are still free to pay for something the insurance company won’t; you are still free to switch insurance companies (although difficult with a pre-existing condition); and you are still free to sue for the coverage.

[Pete]

You are still free to pay for something the insurance company won’t; you are still free to switch insurance companies (although difficult with a pre-existing condition)

Not as difficult as it used to be. It is generally universal that if you can show continued coverage, any pre-existing conditions are covered.