Watch out! If you have a Cesarean delivery you may find it more difficult and more expensive to find health insurance in the individual insurance market. Go ahead and add Cesarean to the growing list of pre-existing conditions. Since the individual market is growing (18 million people) and the Cesarean rate is growing (31.1% of births or 1.2 million Cesareans a year) one could assume that many people have faced this issue. You can read about a few women who have discovered this reality here.