Have a client, son of a client actually, looking for health insurance. 24 years old, good health (except for smoking). 4 yrs ago spent 2 months as an inpatient for alcohol abuse. Followed by another 4 months in a half way house. Most carriers require 5 yrs sober. Time wants 8 yrs. Even the STM carriers ask about A&D treatment in the last 5 yrs. Is he screwed?