Quote Originally Posted by DuncanONeil View Post
Having recent experience this this area, it is not quite like the common conception.
Having had insurance and need some change the company that provided insurance certifies that you were a covered individual. Said certification mitigates the effects of applying to a new provider. As you had insurance in force you are not a person with an existing condition but a transfer.
Actually this depends on the state law, and is exactly like I described in many states. Just because you are fortunate enough that it doesn't work this way in yours doesn't make it a misconception.