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