What would you think about allowing “continuous-coverage” exemptions to preexisting condition wait periods? That is, if an individual has carried insurance for coverage of the condition continuously, then one insurance company dumping him or her does not mean the next insurance company can also exclude the individual’s condition.
The initial insurance company, of course, would need to provide SOME coverage - at least 6 months, in my estimate, of the preexisting coverage. Otherwise, the dumping should be considered malicious.
Re: continuous-coverage
Agree. It could actually be a BENEFIT offered in a free market system.