As a 58-year-old, self-employed woman, much of this has happened to me. I don't have much coverage because I can't afford it. And I'm in better health than most of my friends. But I was refused a policy because of a pre-cancerous skin lesion the doctor froze off my nose. I live in fear that something will happen to me because I don't trust the insurance company to honor the claims or keep my policy. My old company already denied coverage for a standard test that was part of the coverage I pay for, and that they'd already pre-approved. Then Insurance Commissioner Garamendi made them cover it. But, had I not sat next to his wife at a political fundraiser, I might not have gotten that help either. If you too want coverage like this, vote for John McCain. This is his health care plan. Everybody would compete in the open market for the same kind of crappy policies I have. The same ones these people have.