I am considering getting a health care insurance policy and would like to get some advice regarding pre existing conditions. I don’t have any looming health issues, but have collected a few pre existing conditions. Not going to go into details online for obvious reasons. Are pre existing conditions excluded forever or just in the first year? Is the premium reduced in that first year because they are excluded. Is there a guarantee of renewal after the first year/ trial period when the exclusion is no longer valid. I hate to waste money on premiums for coverage I won’t be afforded now or in the future. Appreciation for any advice before I meet with an agent. Examples/experience with various policy types etc. - thanks!