Renee has a bad history of family health problems. Her niece, Abilyn, was recently declined coverage because of a congenital heart defect that she was born with 6 months ago. Her brother, Micah, is 24 years old and getting ready to finish college and was told he had to apply for individual coverage through the health insurance exchange system. Renee's grandmother has already used $900,000 worth of insurance benefits over her lifetime. Her insurance company is threatening to stop paying benefits once she reaches $1,000,000 of benefits. Are these actions taken by the insurance companies legal? Why or why not?