 [ Symptoms ] i am retired i also have a pre existing condition diabetes as a retiree i am offered the option to buy retiree insurance and i currently have that it is 20 000 a year and climbing 25 per year i will no longer be able to afford it as my company does not contribute a single penny to this plan can i switch to the exchange program andor can i buy my own insurance as an individual now that companies cannot turn me down [ Disease ] yes you can buy a policy on the new exchanges and are likely to find a plan at a lower cost   especially if your income qualifies you for a tax credit starting 1114 insurers are prohibited from denying anyone coverage because of a pre existing health condition or charging them more for it