I have been doing a lot of research on health insurane lately, since I am switching from a student (group)
health insurance plan to a private (group) plan.
One thing I found out, is that all of your medical records are an open book to any medical insurance company.
If you have a pre-existing condition such as a back injury, cancer, or other, go with the group medical insurnace, it is regulated so that they have to accept any illness no matter what the pre-existing condition is.