| If you are not eligible for COBRA, HIPAA, | | | | Health insurance companies view people with |
| insurance policy conversion, state continuation, | | | | pre-existing or serious health conditions as higher |
| Medicaid, Medicare, or any type of | | | | risks to insure. They view them as potentially lost |
| state-sponsored health care program, but are in | | | | money. Yet, in New York, there are health |
| need of affordable health insurance in New York, | | | | insurance companies that will not turn you down |
| you may have to purchase an individual health | | | | regardless of any pre-existing health conditions |
| insurance plan. | | | | you may have, or the severity of the health |
| Most people groan at the thought of purchasing | | | | condition. |
| an individual health insurance plan and for good | | | | Second, you will not be charged a higher health |
| reason. Individual health insurance plans are usually | | | | insurance rate due to your pre-existing health |
| more expensive than the ideal health care | | | | condition, regardless of the severity of your |
| coverage employer-sponsored group health | | | | pre-existing health condition. This is more great |
| insurance plans. However, in New York, you can | | | | news, since people with pre-existing health |
| purchase an affordable individual health insurance | | | | conditions who do manage to purchase individual |
| plan for a couple of reasons. | | | | health insurance policies do so for a high price. |
| First, when you set out to purchase an individual | | | | They need health insurance, especially because |
| health insurance plan in New York, you can not be | | | | they need care for their pre-existing health |
| turned down due to your particular health | | | | conditions; however, because of their pre-existing |
| conditions. This is great news because many | | | | health conditions, they pay high prices. Its a |
| people with pre-existing health conditions tend to | | | | vicious cycle that New York is working toward |
| have a difficult time finding health insurance | | | | ending. |
| companies that will sell health insurance to them. | | | | |