I've been told by a doctor there is a remote chance that I have some kind of heart disease. I don't have insurance at the moment, but I was able to find a local health insurance company that will bear the cost of the tests I need to have done. Also, I have been told by them that I am not considered to have a pre-existing condition because nothing has actually been diagnosed. So, my plan is to sign up for the insurance, get the tests done, and receive any necessary treatment. The premium I will be paying is $122/mo when I sign up. If it's discovered that I have heart disease, will my premium be promptly jacked up... or would I continue paying $122/mo?