 [ Symptoms ] i suffer from neck pain due to bad posture is there anything that can help me [ Disease ] whether you can keep your current 2013 plan for another year depends on where you live and your insurance company i suggest you call your insurer directly to see if that is an option for you underwritten plans for people who do not qualify for subsidies do tend to be cheaper that is precisely because insurers have been allowed to underwrite the policies and weed out anyone who has or they believe might have a health problem that is no longer allowed