In 39 states, listed here , insurers can turn down anyone for virtually any reason. It can be because you have a pre-existing condition, like cancer or diabetes. And pregnancy almost always counts too, according to the National Association of Insurance Commissioners, which represents the state government officials who regulate insurance sold within their borders. So if you’re pregnant and living in one of these 39 states, you’re very likely out of luck in securing individual health coverage. You’ll have to pay for your care out of your own pocket or seek out charitable assistance.