You Do Not Have Health Insurance.

Re:You Do Not Have Health Insurance. by tptacek on Friday August 07, 2009 @02:47AM (#747172)

That's both true and irrelevant. Young healthy males have no trouble getting either high-deductable coverage or conventional HMO/PPO coverage. Everybody else is playing roulette in the individual insurance market no matter what product they're trying to buy. When we started our company, we tried to get individual high-deductable coverage. None of us have any "interesting" medical histories. Denied.

The US health system is broken in ways I don't think you fully comprehend.

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Re:You Do Not Have Health Insurance. by ars on Friday August 07, 2009 @03:12AM (#747205)

For the record I have family high deductible coverage and had no trouble getting it.

What was the reason you were denied? Everyone was denied? Did you try any other companies?

Perhaps state laws make a difference.

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Re:You Do Not Have Health Insurance. by martin on Friday August 07, 2009 @07:10AM (#747396)

I don't know about this person's specific situation, but state laws do make a difference. In some states, the high-deductible coverage can be obtained by a single 20-something for $60ish a month. Here in NY, we have this goofy community rating law, where premiums on individual insurance plans can't be affected by your age. So there is no individual insurance option, even for 20-somethings and even with a high-deductible, that doesn't cost at least a few hundred dollars a month. Do a few searches on eHealthInsurance.com and you'll see what I mean.

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