Cigna will waive the 1-yr plan if you have had an insurance plan for more than 2 yrs & no lapse in payment.?

There seems to be a clause though in the beginning of the contract that if you had major work in the past 84 months, you cannot use it. There used to be a lot of the "plans" that you would pay a year to guarantee but those seem to be going away. I wish another company would do the same thing

You need to have continuous insurance. Due to the new federal mandate that there cannot be pre-existing condition exclusions, the insurance companies are able to charge people more coming off of a lapse.

The idea is that you buy insurance when you don't need it, rather than the reverse.