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<<I know of several people in the 55 -65 range, good overall health, who are unable to get individual insurance from companies like Blue Cross because of rather benign conditions such as occasional heartburn! Insurance companies are looking for any reason to deny applicants who are not 25-35 with no history of medical claims.

Under HIPPA, anyone who has employer provided health insurance has access to individual health insurance when COBRA benefits expire. In Washington State, any such person can choose ANY individual health insurance plan offered in their area and be accepted regardless of preexisting conditions.

The exact nature of this varies somewhat by state. But it's really an issue that has been solved for most people who have money and are willing to spend it on health ionsurance.

Seattle Pioneer
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