Comment: At one time an insurance company could write in an exclusion

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At one time an insurance company could write in an exclusion

In Michigan anyway. Then through a well intended regulation exclusions for pre-existing conditions were not allowed. What that did was cause insurers to stop writing individual policies in the state. Lets take myself as an example, a cervical disk injury, any procedures for the disk injury could simply be waived. I'm cool with that. At least I could buy a reasonably priced family policy that would cover everything else. If I want to buy a policy with an exclusion and the insurer is willing to sell me one, what right does the state have to say we can't enter into a mutual contract?

Oh, BTW, employers love this because the group policies will cover employees with pre-existing conditions. For key employees it's better then a non compete agreement.