since the ACA (Obamacare) went into effect, premiums can no longer be based on pre-existing conditions, or lack of. Age and community banded only. Even different parts of Florida have different rates, possibly based on fraud or # of claims - and also possibly because yes, I agree that Florida doctors, or at least those around here, order more tests - as a new patient, I think that's partly because they don't know you and don't trust the medical records, or don't read them, and also older people (yes, us) have more stuff wrong with them - after all, we are aging, and everybody eventually gets something.
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