Yep. A broken bone in childhood develops a problem in adulthood. How many Americans qualify as obese? Millions are dependent on thyroid meds but any med for anything before this insurance app is based on something pre-existing. Had a backache 5 yrs ago and now you have another?
It’s ridiculous to even try to say no to pre-existing conditions.
None of the things you have mentioned were ever considered for underwriting as “pre-existing conditions”. Health insurance worked fine for decades & decades before 2008. Read the last paragraph of the article...same tax breaks proposed for individuals as businesses get. That way individuals can have their own policies that follow them. Stay insured = no pre-exiting conditions.