If you need affordable health insurance in New York but don't qualify for COBRA, HIPAA, insurance policy conversion, state continuation, Medicaid, Medicare, or any other state-run health care programme, you may have to buy an individual health insurance plan.
Most people groan when they think about getting their own health insurance, and with good reason. Individual health insurance plans usually cost more than employer-sponsored group health insurance plans, which are the best way to get health care coverage. But in New York, there are a few reasons why you can buy an individual health insurance plan that isn't too expensive.
First of all, if you want to buy a health insurance plan for yourself in New York, you can't be turned down because of your health. This is great news, because people with health problems that have been around for a while often have trouble finding health insurance companies that will sell them coverage. People with serious or long-term health problems are seen as a higher risk by health insurance companies. They see them as money that could be lost. Still, there are health insurance companies in New York that will not turn you down, no matter what health problems you may have had before or how bad they are.
Second, you won't pay more for your health insurance because of a health problem you had before. This is true no matter how bad your health problem was before. This is more good news, since people with health problems that have already been diagnosed pay a lot for individual health insurance policies. They need health insurance because they need care for health problems that were already there. However, because of those problems, they have to pay high prices. It's a cycle that keeps getting worse, and New York is working to stop it.
Contact the New York Insurance Department to find out more about the companies that offer these individual health insurance plans and how to get in touch with them.
