Since I have no pre-existing conditions does that mean I get a lower rate?
Yes.
Of course you get a lower rate and why would you buy pre existing condition coverage when you don’t have a pre existing condition?
Several years ago, post ACA passage, I was in a social media argument with a ditz about “pre-existing conditions”. She insisted that simply changing the law about “pre-existing conditions” would cause people to die.
I reminded her that under the current law (back then), anybody who had a lapse in insurance that would cause a condition to be labelled “pre-existing” was a criminal for not having insurance at some point. Obama’s law. It was illegal to not have insurance.