If the *** hits the fan on them, they call Blue Cross and get instant coverage
GI states are screwed up. Last time I checked there were 5, mostly in the NE area. The ones I am aware of are MA, NH, VT, ME & NY. All but MA have community rating which is even more screwy.
A few more, CA & WI (believe I am correct) have open enrollments when anyone can come in regardless of health.
If I were in those states I would have to find another way to make a living.