Reta,
In Fl. the law is if you had insurance for the last year. They can't not cover you. But I would have to be covered by Fl. insurance.
Ok this I do know. insurance laws are writen state by state. In Fl we have an insurance commission. They mostly handle hurricane stuff, but also health. They know all the laws. I would imagaine that every state has something along those line.
That's were I would start.
Amy