Anyone know if health insurance premiums will be limited for individuals with diabetes? Our son suffered an injury when we had a lapse in health insurance and before he was diagnosed with Type 1 diabetes. When we were able to purchase insurance, he was "hi tiered" becasue of this injury (was an eye injury without permanent damage). Several months later, he was diagnosed with type 1. When I questioned Anthem about lowering the premiums, was told that he would always be hi tiered....seems that this isn't right.