Six weeks after my H & N cancer was confirmed...l was able to get a good health policy through B.C.B.S.
I believe insurance companies can no longer penalize you under the so called 'pre condition clause'..?
I was under the impression that this was passed under Obama's Presidency. ?
I see your initial post was in January of this year....so you may not see this reply to your post..
Sadly...in my case..prior to my cancer diagnosis l had only a limited health plan ..
We should all seriously think about what some refer to as 'catastrophic health insurance' especially as we age..

My thanks again to B.C.B.S. 💓