If you are insured and then apply for a renewal after you face a serious medical condition, this should not be considered a "pre-existing condition."
If you are insured and then change insurance carriers after you face a serious medical condition, then this shouldn't be considered a "pre-existing condition," either.
The only pre-existing conditions in medical insurance should be those that came up while you were uninsured. Insurance plans should NOT be required to cover those.
Simple and to the point. Excellent.
That’s the part they are not telling the country. For years now if you had insurance through your job there was no pre existing condition limitations. If you get fired, divorced from an insurance carrying spouse or etc. and become uninsured for a period of time, then you are considered to be uninsurable because of any pre existing conditions.
So people are encouraged to have continuous coverage to avoid the pool. If you can afford the high premiums you can have insurance if you’ve had continuous coverage. Obamacare lied and destroyed that system.