Get a HIPAA policy right after your COBRA expires. Insurers cannot turn you down for it. Ask your insurance company for the HIPAA insurance terms and rates. The only thing they can consider for setting the premium is your age. Your individual medical conditions cannot be considered. You cannot be denied as long as you exhausted your COBRA. This is group insurance - by age group. So your rates can only raises if they raise for everyone else in the same age group.I'm afraid it is unlikely to be less than the $873 you were quoted. If you have pre-existing conditions though (and at your age, who doesn't ?), this may be the only insurance you are able to get.PCIP is something to consider, but unfortunately requires you to wait 6 months without insurance. This is not a viable option. The Obama health care law, very unfortunately, doesn't take full effect until 2014.
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