Either that or some insurance underwriter just made a big axx mistake in your case. I can guarantee your from the recent experience of my daughter and son-in-law after his recent job change that your experience with pre-existing conditions is unique. My daughter has a pre-existing condition and it is not covered for the first year under his new employer paid policy. It is a condition that has not been a problem for over 13 years so they are willing to gamble. She could have opted for Obamacare for her coverage but then his new insurance would not have covered my granddaughter (they will cover a wife and kids but not kids alone if there is a wife in the family)...the insurance industry in general and the health insurance industry in particular is a racket that makes it a point to find a way to not cover and to not pay!