In reply to: With pre-existing conditions, it's pretty brutal posted by IrishNYCA
health insurance for the self employed. Pre-existing conditions aren’t a barrier any longer in obtaining insurance (though we’ll see what happens in the future). They are, however, a factor in the cost of insurance in my experience.
Pre-existing conditions are not factored into the price directly. Because of guaranteed issue and community rating, everyone's costs go up, but having a pre-existing condition does not make your insurance more expensive than anyone else's.