I have three adult children. One of our sons was treated for cancer at age 19, one was diagnosed with ulcerative colitis at age 14, and one has a back condition that started in his 20s and will likely haunt him in the future. They don't sound very healthy, do they? But they are, mostly, and are productive members of society. But they have been warned repeatedly to never let their health insurance lapse, no matter what the cost, or they may not ever be able to regain coverage because of their pre-existing conditions.