Can coverage be refused?
Yes, it can. Unlike group health in which coverage is guaranteed, companies providing individual health can refuse to provide coverage if you have certain medical conditions. They can also give you an exclusion for coverage of certain conditions. For example, if you have EVER had any kind of coronary procedure, a company may put an exclusion for coronary artery disease in the policy. This would mean that if you ever had a hospitalization or new procedure involving or necessitated by coronary disease, the expense would not be covered.
