Whenever we have changed insurance, pre-existing conditions were not covered only for a certain length of time. Is that not the case anymore?
The law still limits it to one year.
For group policies, if you haven’t been without coverage for more than 60 days you have no waiting period for preexisting.
Risk assessment is an actuarial/statistical LOGICAL process. IF today I have Type 2 diabetes, and thus am excluded for certain risks becasue of that, and two years later I still have Type 2 diabetes and have a relatively unchanged phenotype, then my risks have not changed, and an insurer does not OWE me insurance. They are in the business of covering risk for a profit.
Lastly, insurance is a substitute for cash. Insurance takes a ‘gamble’ on covering the distance between YOUR cash and the RISK of having to come up with CASH to cover the gap. Pre-existing conditions are pre-existing risks. Unless the risk goes away, the insurance is likely not to be offered. It doesn’t make actuarial sense.