John,
My husband and I own our own business. Here in Michigan, if you own your own business a non profit insurance company must take you and your employees no ? asked. We just went through this and my husband had cancer. Got new insurance last month.
They didnt ask any medical ? at all. The non profit insurance here is M-Care and Blue Cross. I dont know if this is a help to you but this is the way it is here in Michigan.
Cheryl