Either you cannot get it, or you are paying a high price for it.
This is the case for many Americans with pre-existing conditions trying to get health insurance.
Weyers Cave resident Ashley Roberts is one of those people.
Roberts says, "If it were to keep on going for years and years then I would drive myself into bankruptcy."
She has had a problem with her lymph nodes that can keep her off of her feet.
She lost her job because of it, and went from paying $80 a month for company health insurance to over $400 a month on her own.
"It's very expensive. $3,300 dollars last year just on premiums," Roberts adds.
New health care reform is supposed to help people like Roberts by keeping insurance companies from charging more because of a pre-existing medical condition.
However, Washington and Lee law professor Tim Jost says that change will not come for years.
Jost says, "This is a massive undertaking, and it is going to take every bit of four years to implement it."
Almost immediately, children under the age of 19 will avoid insurance complications because of pre-existing condition.
That is not the case for adults like Roberts.
"It's unavoidable, but tomorrow you can't just snap your fingers and change the insurance markets in the United States," Jost adds.
Roberts says not only does she pay a lot more now for her health insurance, her current company hardly covers anything compared to her previous plan because of her condition.