What To Do When You Are Turned Down For Health Insurance? 
You can still be turned down for health insurance and it happens each day . There are many non-Exchange plans that are offered by major insurers that are medically-underwritten . For example , short-term -LRB- temporary -RRB- medical coverage is available fro many large reputable carriers . UnitedHealthcare markets this type of plan under `` Golden Rule . '' It 's a very popular and cheap health insurance plan that can be purchased for up to 6-12 months . Although there are only a few medical questions , you can be denied coverage if you have been treated for a major illness -LRB- cancer , heart disease , diabetes etc. . . -RRB- or you have previously been turned down for coverage . If this happens to you , do n't miss the next Open Enrollment which allows you to apply with a subsidy that could lower your rate . Limited-Benefit plans are also a less-popular option . As an experienced broker -LRB- 33 years -RRB- , our job is to provide accurate information and the lowest available rates . 