Remember that one way insurance companies keep their rates down is by limiting coverage for pre-existing conditions. So if a company has strict pre-existing guidelines and/or really limit coverage for pre-existing conditions, they are doing so to keep their costs low. If you are healthy and have no pre-existing conditions that are of concern to you, then that is the time to take out such a policy. Since you have no pre-existing conditions everything will be covered.
Some companies will put a two- or three-year rider on a pre-existing condition. That is always better than long-term limited coverage for a pre-existing because you know that when that time period is past, your pre-existing condition will be covered. If your pre-existing is not giving you any problem and your doctor says that it should not bother you for a long time, then you might feel okay to take out a plan that would put a two- or three-year rider on that pre-existing condition.
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