Under this type of plan, health insurance is available to anyone, regardless of health history. There can also be long waiting lists for getting into plans with limited positions. Get insurance during open enrollment periods. A number of states require all health insurance companies licensed to do business there to allow anyone to purchase a policy during a certain period of the year. Ask your state health insurance office if your state has this policy.
Many companies impose waiting periods for costs related to preexisting conditions.
Other benefit limitations may also apply. Request group insurance through a professional, fraternal, membership, or political organization to which you belong. Use Medicare, which covers most people age 65 or older and those who are permanently disabled. Use Medicaid or other state or local benefits. Or get coverage through an independent broker.