The actual costs for the insurance of a healthy person. Since a pre-existing conditions, diabetes, cancer, heart disease, obesity, etc. can include that lets you in the long-term or chronic for the rest of his life. Insurers are non-profit company. You are in business to lose revenue. If we can supply with several insurance companies to try serious diseases, do not be surprised to get the same results. Subscription is essentially the same way if they can escape permanently denied. But there are alternatives, and things you can do work around to.
The truth is unfair resulted in relation to the coverage of health insurance, your pre-existing condition for the experience of discrimination. Perhaps you are one of many who have lived this reality.
#1 If you are currently employed and your employer offers a health plan, you obviously have coverage through them which is an employer-sponsored group plan. All employees are covered in the group and you can't be excluded. You are all set in this arrangement.
#2 COBRA (Consolidated Omnibus Budget Reconciliation Act of 1985) - If you lose your job, you and your family can continue to participate in your employer's group health benefit plan; although at your own expense for 18 to 36 months. It will definitely cost you more than what you were paying while working; but your preexisting condition will be covered.
#3 Guaranteed issue health insurance coverage for those with a pre existing condition or who are considered uninsurable is available out there. However, unlike a major medical plan, it's actually a limited medical plan. That means you'll have coverage up to a certain dollar limit for specific benefits. What ever is beyond that amount is your responsibility. But, depending on which of these guaranteed plans you go with, you'll find that they cover a pretty decent percentage or amount of the Medicare Reimbursement Schedule. It also comes with additional benefits.
With a preexisting condition, you want to make sure that you are covered through a guaranteed issue health plan that's HIPAA-compliant because as long as you've had continuous (no more than a 63-day break) creditable coverage (individual, group, managed care, standard indemnity, COBRA) for at least 12 months prior to applying, you'll be covered immediately. If not, your preexisting condition will have a 12-month exclusion or waiting period and then after that, it'll be covered. At least you'll know that it will be eventually covered and you won't be denied. Again, there are many other benefits that you'll receive too. You'll be astonished.
#4 This last point is something that most of us have no awareness about which is called state-guaranteed subsidized health insurance coverage. This is not shocking because for obvious financial reasons, states do not spend money on advertisement for it. HIPAA-eligibility is a requirement (see above) for this unfortunately in some states. I will preface by saying that it's specifically designed for people who are uninsurable which means they can not qualify for private health insurance. It's not designed for those who can't afford to pay for health insurance. It's typically more expensive than private coverage for individuals with no health issues. Unlike commonly in an individual/family policy, the lifetime maximum benefit is lower; about $1 to $2 million. Some states require that you must be a resident of that state for a minimum amount of time before you are eligible; it varies. However, HIPAA-eligible individuals are not subject to state residency requirements.
A high-deductible health insurance policy is what I would suggest that you purchase if you or a family member has not developed a pre existing condition yet and are still healthy. In the future, if a pre-existing condition does develop, that health coverage will already be in place and your premium can't be increased as a result of it. It's guaranteed renewable which means as long as you do not miss any payments it can't be canceled.
In conclusion, you should be able to find some kind of health insurance plan for your preexisting condition, unless you are severely broke. Even in that case, there should be some kind of low income (or no income these days) Medicare program in your state. Maybe someone that you are close to has good health coverage. Look into what you can legally do to get eligible under that person's health insurance policy. Go for it!