Since the ACA you can. As long as it's a Marketplace plan, they can't deny you or charge you more for preexisting conditions, and I've never met someone with a

Since the ACA you can. As long as it's a Marketplace plan, they can't deny you or charge you more for preexisting conditions, and I've never met someone with a private plan nowadays. The catch is that you can only change plans for the next calendar year unless you move or lose your job or something.