Roger, that may seem like a hassle to you, but as far as I am concerned you are a perfect example of doing things right. You have always (I assume) had coverage for yourself and your wife. You should NEVER be denied coverage and there should be no caps on coverage, because you have been responsible. I have little sympathy for those who have rolled the dice, though. They are the ones who should have to pay huge premiums if something goes wrong, or settle for palliative care only. If I sound like an evil person, then show me one - one - example of an insurance company agreeing to paying for fire or hurricane damage for someone who is not insured. I know people without insurance can go bankrupt now whether it is health, home, liability, etc. Their choice. I am not wealthy but after seeing my MIL eat up her entire life savings on care to keep her in her home, I'm getting long-term care insurance so I never have to rely on the benevolence of Uncle Sam. I also have never been uninsured for my house (and before that apartment), car or health. If I had not done this, I would have had a lot more expendable income, so not having it is a choice, and a risk I was never willing to take.
I don't want a pat on the back, I just DON'T want to pay for someone else's decision to spend that money on something else.