You don't have a pre-existing condition if it only costs you $200/month. I have a friend who had a serious back injury (near paralysis) in his 20s which requir

You don't have a pre-existing condition if it only costs you $200/month. I have a friend who had a serious back injury (near paralysis) in his 20s which requires constant physical therapy and visits to specialists. He can't buy health insurance on the open market at any price (literally), and so he must move carefully from group health plan to group health plan, rather than pursue his interest in startups. The comparison with apartments is not fair - imagine that the only way to get a place to live was through your employer.