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>You mean apart from hundreds of thousands of middle class families who were insured until dad got sick, nevertheless losing their homes and assets?

Your experience here is much wider than mine is, but I've never heard of an insurer cancelling coverage during an illness.
When I was in management, I saw several people have to quit work because a debilitating illness, but the coverage for that illness followed them. One man in particular, a good friend and colleague, fell victim to a brain tumor in his mid forties and had to stop working. He lingered for over 2 years before dying. All his medical costs associated with that illness were paid by the insurer.


Depending on the state insurers can, if they choose, cancel a policy after paying claims for an illness but as I said, I've never heard of an insurer refusing to pay all covered costs and cancelling a policy upon submission of a claim.

New York and New Jersey - where I have lived- have more oversight of insurers than most states, so that might be a factor in my experience.

Had he recovered and fallen victim to an other illness, however, those costs would not have been covered, and yes, he was uninsurable at that point.


Did his family have financial losses? Of course they did. He had been earning an above-average income for a long time, and the loss to the family in present and future earning power was huge.