Curious that every insurance firm would rather not have you as a customer at all than simply offer to charge a higher premium or offer to exempt the consequences of a food allergy.
It wasn't always a good idea, even. If they "exempt the consequences of" any particular condition, then they'll fight tooth and nail to assure that anything that does happen can be blamed on it.
If it is any consolation to you, we could have gotten into our state's high risk pool, at about a third of collective our monthly income (to have just her in it, with a very limited selection of providers/services).
So, like about 1 in 4 folks in Texas, we went without.