If you have ever had or been advised to have a lung transplant (or any transplant really) you can not qualify for any plan with any company that has underwriting. (choicemutual.com)
In fact, it's very uncommon for anyone to not qualify for a plan with some company that protects them immediately. (choicemutual.com)
This is why we say that most people easily qualify for a plan with some insurance company that does accept your health issues. (choicemutual.com)