Idiot. Pre-existing conditions are now covered by law... only now they have a tiny life-time cap! This means that the condition that was covered by the previous old policy, is now a pre-exiting condition under the new policy with a life-time cap for that condition of $7,000. An amount that is exhausted within the first year. So... the premium goes up by 40% and the condition is tapped out and we are SOL. Thanks for nothing 0-bama.