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Actually pessimistic or not it’s a viable concern to have. I’m a realist so the possibility could happen as it would be a preexisting condition. Now we need an optimist to comment. What rock have you been living under? Pre existing conditions haven’t been a reason to deny or charge more for insurance in the US for about 6 years now.  I was referring to the increased rates for pre-existing conditions, which is much less cut-and-dried. I agree it'd be near impossible to outright deny someone for pre-existing conditions.

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