Some would be directly affected by the policy, which the government can't enforce because of federal appeals court rulings against it. (businessinsider.com)
But in 2014, a federal district judge ruled against them, concluding that while the rating system seemed clearly unfair, it was nonetheless still legal. (rachelsnotebook.com)
There are ways, however, to use a defense's coverage rules against them if you recognize what they are playing. (sbnation.com)