Two words: pre-existing conditions (hereafter referred to as "PEC's").
I am currently able-bodied, gainfully employed, a contributing member of society. But I am one easy job loss away from being uninsureable, just because I stopped ignoring my vision loss and went to a doctor to get it diagnosed.
Does the recently-passed health care bill change that? Does anybody know? I keep hearing about children with PEC's and how they can no longer be denied coverage, which is great, but what about non-children?
Weirdly, if I hadn't gone to a doctor but had instead just continued to live with my symptoms and worries in ignorance, I think it would have been a non-issue, insurance-wise. Even though a slow-growing, non-malignant tumor must have been there for years anyway. But as long as it wasn't official, it wouldn't count as "pre-existing". Even though it did exist previously.