certain illnesses almost always result in an application for health insurance on the private market being declined. these include cancer heart disease diabetes rheumatoid arthritis and drug and alcohol dependency. other minor conditions such as allergies asthma mild depression or well-controlled high blood pressure or migraines may result in a denial from some insurance companies but not others. cobra because you've had coverage through your employer you would likely qualify for cobra continuation coverage which will extend your current health plan for 18 months. once you've exhausted your cobra benefits you're guaranteed by federal law to get a policy on the private insurance market. just make sure you obtain a certificate of "credible coverage" from your current insurance company once your cobra benefits end. pcip pre-existing condition insurance plans (pcip) were set up under health reform to extend coverage for the medically uninsurable. the plans are intended to function as a bridge until 2014 when insurers can no longer deny coverage even to those who are sick. the requirements for pcip plan eligibility make it difficult for many people to access -- you must be without health insurance coverage for at least six months. you can check out the various pcip plans available along with costs here. private insurance although insurance companies selling plans on the private market can and often do decline coverage based on minor ailments or past treatments you shouldn't just assume you'll be denied if you have a medical condition. the key is to shop around to different carriers. it's also a good idea to work with a licensed insurance agent knowledgeable about the carriers in your state. you can check the national association of health underwriters' website to find someone near you.
how do i find insurance that will cover pre-existing conditions after losing employer health coverage?