Correct me if I'm wrong, but as long as you have the condition diagnosed prior to losing your healthcare, it should be able to transfer. Pre-existing conditions is a way of making sure people don't only sign up for health insurance once they need it. It shouldn't be a tool used by insurers to keep from paying what they should. The theory is that by having that as a risk, people will pay for insurance while they are healthy, which will allow the insurance companies to profit and/or build up a savings for the unhealthy years.

I wouldn't speak poorly of your situation; it sucks you are dealing with that. However, the goal is to keep people on insurance. Pre-existing conditions should not disqualify you from being insured as long as you keep an active policy (or within a few months of it expiring). Without a pre-existing conditions clause, how do you keep people from signing up only when they need it? If you have a better solution, I am all for it. I just haven't thought of one.

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