This is very interesting to me. It was my understanding that the rates were no longer jacked up, even if you had "various health issues". This is called Medical Underwriting and I thought it was forbidden by the ACA. It could be a state-by-state issue. Perhaps Florida is different?

When you applied for insurance, did they acquire your medical history?

1. http://kff.org/health-reform/perspective/how-buying-insuranc...

2. http://blog.rmhp.org/2013/12/sticker-shock-obamacare-and-the...