The original poster said that the friend had tried to "avoid Obamacare" - it's possible this is not an ACA-compliant plan, which may (I'm not sure) allow the insurer to deny based on pre-existing conditions.
That was my assumption but if the waiver for those is just Obama saying they will not fine those companies, its possible that the law is written such that he cannot legally allow the company to do that.
IN other words just because the IRS doesn't bfine the insurance company doesn't mean he cant sue them for violating that law, to get that $$$.
I think I saw George Will point this out first.
The pre-existing condition part of ObamaCare went into effect on January 1, 2014. All of this happened between October and December last fall. I think Humana is in the clear on being able to do this for services last fall. Unfortunately.
I think that also. A policy purchased independent of an exchange. Buyer beware. She should get a "patient advocate" to negotiate the charges down, otherwise if she can't pay it might be declare bankruptcy time.