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My insurance person, who is also a friend, told me the insurance company can not deny you insurance based on a pre existing condition however, that is not to say they can not charge you a high premium and/or a high deductible. I am sure that they can get around this some how if they don't want to take you on. I know when you mention cancer that changes everything but we are not suppose to know that. I thought I was going to have to go on Cobra when my husband went out on disability and the premiums for me were tripled because of my diagnose. Not fair. You may need to ask an attorney this question as each state may vary. This whole thing can be so unfair for us. I had a friend who fought her way through the state system as she had no insurance but worked 3 jobs when diagnosed. She won and now they have to cover her for 5 years with follow ups etc! They even dropped her after the first year and her doctor called right up and told them they could not do that and they then, said it was a paper error and should never happened!!! But then the stress of it all was not good. I wish you well and keep us posted on how you make out. hugs, Sandy
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