3/29/10 HC Reform Update by Mark Sanna: Despite the new health law, some insurers say they do not have to cover some children with pre-existing conditions yet. The fine print of the law differs from the larger political message. If a company sells insurance, it will have to cover pre-existing conditions for children covered by the policy. But it does not have to sell to somebody with a pre-existing condition. And the insurer could increase premiums to cover the additional cost.