Am I Uninsurable?

Should I let "high-risk" problems go by so my rates stay lower? Should I find a outside doctor to take care of an illness that would increase my insurance rate factor? Over 700 insurance companies are joined together to form the Medical Insurance Bureau (MIB), they hold a database on patient records and insurance transactions. What is the balance between the patient right to privacy and the insurance company right to know?
What are our rights? What do we have to protect our medical history? The first one that comes to mind and most medicine is practiced under is th…