From the little I understand about the Obama tweaking of health insurance regulations it will soon, if not already, be illegal for any insurance company to discriminate against someone because of pre-existing conditions. But can they raise your rates to imposible levels? Who knows?
I could be wrong about this because the law was so confusingly cobbled together, mostly to suit the insurance companies. Now, nobody is talking about it anymore except to demonize it, probaly nobody understands it...including members of Congress and the president.
But it MAY protect you, sharon.