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Answered 2008-05-11 05:13:18

That depends on where you live and what kind of coverage you are looking for. In almost all circumstances an insurance company can not refuse to cover an employee on a company plan. If you are looking for individual coverage then it will depend on if your state guarantees coverage. While it is nice to have coverage guaranteed for all, it is almost always more expensive in those states. Here in CA individual coverage is fully underwritten, meaning you can be denied. Consequently, those they do cover they can do so for less. If you are in an underwritten state and are declined check to see if there is a state high risk pool you can join. If not, look at a guaranteed acceptance defined benefit plan. If you need help please let me know (critmark@garlic.com).

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