At Ethos, every customer is underwritten individually and receives a price based on many factors, like medical history, current health, age, and gender. It is possible to be denied coverage due to health issues.
That said, having health issues should not preclude you from applying for coverage. We have many satisfied customers who have a history of health problems.
Yes, you can replace your current coverage with a policy from Ethos. We recommend waiting until your policy is active so you do not have any gaps in coverage.