If you are deemed uninsurable, what are the options?
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Truth be said, if you are healthy today it is important to attain a good quality individual health insurance policy so that you will not be rejected in the future due to developing any medical conditions or having pre-existing conditions.
Yet, if today you have medical conditions or pre existing conditions, there are still several options. These include finding a job that offers good group health insurance. Obviously, this restricts you from leaving the employer, since you would lose you coverage after a while. Yes, you can have COBRA, but this is for a limited time and it is usually very expensive since you are then paying for the entire premium amount plus an additional fee. Also, you can speak with a qualified and trusted health insurance agent that can guide you with the best alternatives. These may also include state subsidized guaranteed health insurance (whether HIPPA eligible or not), medical discount cards, limited medical plans, Medicaid, etc.
To start though, it is again best to speak with a qualified health insurance agent. They will be able to really qualify you based on your specific conditions in order to see if there are individual health insurance carriers available that would be willing to issue you a policy either with higher premium or by excluding certain conditions.
Always know that there are options, but to start, speak with a good licensed health insurance agent.
