Not on MY policy— Who pays? me? or the old insurance company. Pre existing need to go to high risk pool. Subsidize that at very deserving levels but don’t make other people pay because I sign up with ALS. This is nuts!! Have we lost our collective minds? FREE ENTERPRISE!! IT WORKS!!
If you have previous coverage, no impact to your rates.
If you don’t, then your rate is impacted.
The great thing about this though, is you could set it up so if you have a lapse in coverage that even the previous insurance coverage could have a sliding scale of liability so that there would still be value there because you could always reinstate your old policy and get full coverage on your preexisting condition.
There still would be meat on the bone for your new insurance company to negotiate with.