[attaboyjon]

I think you may be wrong on the pre-existing conditions. My understanding is that previously someone like myself (Type 1 Diabetic) could not buy insurance on the individual market (I'm self-employed) because the insurance company selling me insurance is basically guaranteed to lose money.

[GiorgioG]

The HIPAA act of 1997 says otherwise. As long as you had continuous coverage for a certain number of days they couldn't deny you based on a pre-existing condition.