Yep, the last few lines you posted pretty much say it all if you are trying to obtain insurance on your own. I've been through it and that's why I'm a convert to either universal or some form of 'guaranteed acceptance'... Otherwise you are at the mercy of the insurance companies...
Regards,
John
"Finally, if you find a policy that looks good, will the insurer sell it to you? In most states, that's up to the insurer. "The medically underwritten market can be very difficult to enter," said Pollitz, adding that she has heard of people being turned down for such seemingly minor ailments as acne and hay fever.
Different carriers have different rules, of course, so shopping around may get you over this hurdle. But perhaps not. If you're refused coverage, ask your state insurance regulator if there are companies offering "guaranteed-issue" policies for which you can't be turned down. The drawback, though, is that such policies tend to be very expensive.
There are really only two sure-fire solutions in today's individual market, said Metcalf: "Be healthy or be rich."
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