Some of these are not protected even under the ACA or other regulations... Not so. ACA allows insurers to price their plans based on only three factors: - Age

Some of these are not protected even under the ACA or other regulations... Not so. ACA allows insurers to price their plans based on only three factors: - Age - Smoker/Nonsmoker - A geographic "community rating", based only on the broad area in which you live That's it. If they sell a plan to anyone who matches along those three axes, they have to sell it to everyone who matches.