Reply to If both spouses are self-employed, what do you do for medical insurance?

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[quote=Anonymous]If the Affordable Care Act is upheld, you're golden. If you get turned down right now there is high-risk insurance that is pretty affordable and has decent coverage, and then in 2014 you will be able to purchase on the exchange. If ACA is overturned, we go back to the Wild Wild West system we had before where you're one health problem away from being uninsurable and/or dropped and/or having your rate jacked up. I applied to United for individual coverage last year and they went out of their way to turn me down even though I didn't have any pre-existing conditions that needed treatment and I am a totally healthy 36 year old woman who doesn't smoke, has no allergies, no asthma, no chronic conditions, perfect cholesterol, normal blood pressure, takes no prescription medications, etc. I am amazed that they agree to cover anyone. I did later find another company who was willing to cover me, and they confirmed that United is particularly conservative in their underwriting, but the whole thing was very eye-opening to me.

Bottom line: Don't apply to United unless you have never ever used medical care in your life; and you might want to wait until June before making this leap into individual insurance so you will know what kind of market you will be dealing with. [/quote]

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