My Insurance Company says I'm Uninsurable, what should I do?

Answer:
If you’ve been told you are uninsurable,

you have some options. Your current insurance company may not insure you but others may exist that will extend coverage to you. In addition, you may have some protections under COBRA and HIPAA laws . Depending in which state you live, you may also be eligible to get coverage through your state’s high-risk pool.

Just because one insurance company has denied you, others may be willing to extend coverage to you. It pays to shop around and see what’s available.

If you are losing group coverage due to a job loss and are considered uninsurable by other insurance companies, you may be eligible for continued group coverage through COBRA if the company you or your spouse worked for employed 20 or more employees. The COBRA law extends group health insurance for up 18-36 months after you leave the job.

HIPAA laws have certain eligibility requirements but if you qualify, you may be able to get insurance regardless of preexisting conditions.

Many states offer the uninsurable insurance via their “high-risk pools.” These high-risk pools offer health insurance to eligible people though the benefits may be limited or capped with lifetime amounts. In addition, premiums may be quite high.

If you are uninsurable, visit your state’s department of insurance website and see if any further assistance is available.


	more Q&A sessions like this
	What does Uninsurable Risk mean? What is the Employee Retirement Income Security Act or ERISA? What is HIPAA? What is COBRA? Is Pregnancy considered a Pre-existing Condition? I Lost my Job, does my Family still have Health Coverage? I would like to Quit my Job but I'm not sure if we can Afford Health Insurance. What are some Illnesses that Prevent People from getting Health Insurance? When Should I Update my Health Insurance Plan? What is a State High-Risk Pool?