Thank you for sharing this, it was a very difficult read. A lot of people share your fear that harmful and abusive actions by others will now affect their ability to be insured and/or access affordable healthcare. The whole idea of health insurance is flawed. Declining health is not a risk, it is a fact of life. Everyone will need to access healthcare at some point. It shouldn’t be subject to a system where people not even providing healthcare services (insurance companies) profit at the expense of those who need care.