1. Pregnancy.
2. Soon-to-be-fatherhood.
3. Soon-to-be-adoptive-parenthood.
4. Acne.
5. Allergies.
6. Asthma.
7. Toenail fungus.
8. Being a firefighter.
9. Or a police officer.
10. Or even a war correspondent.
11. Hemorrhoids.
12. Bunions.
Here's the good news
When you shop on the new marketplace, you won't be asked if you have a pre-existing condition. Thanks to the Affordable Care Act, you have basic protections from crazy insurance company abuses, and pre-existing conditions are no longer a thing.