New insurance/old insurance

My current insurance has a specific exclusion in it. I contacted another insurance company to private pay, now they have an exclusion but it says "Treatment of obesity, including any care which is primarily diet or exercise." Which means that more than likely they will pay for WLS right? Now if I drop my insurance through my employer what is the likely hood that I will beable to pick it back up in the future? We have an open enrollment every year but can't they refuse to pick me up once I have cancelled?

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