Couldn't agree more. I had a non-malignant "tumor"--essentially a jaw cyst that got me denied individual coverage. Once that happens, you are blacklisted in the MIB (insurance database) and will never be able to obtain individual coverage.

I was lucky that I had an opportunity to start a cash flow positive company with 3 people so we could qualify for group coverage. Only problem is, I always have to be aware that that's my only option.