Why is health care so hard to get when you have preexsisting conditions?

Question: My husband was laid of due to a plant closure and we are now on COBRA. Well we have been shopping for health insurance and found that we cannot get it due to our preexsisting medical cond. We would have to go through a group rate through the state.
Q: Are there any group insurances we can get that wont cost us an arm a leg and our first born in California??

Answers:
Insurance is more expensive if you already have health problems because the insurance company knows that you are more likely to need medical attention. Your best bet is to get insurance through work because you should be accepted that way (group insurance is easier to qualify for than individual insurance). However, there are some state-sponsored plans you can enroll in. Contact the California state insurance department for more information. Specifically, California has a high-risk insurance pool for people unable to obtain private health insurance (Iink below). Risk pools are developed to help decrease the cost of health insurance and increase access to health insurance by buying coverage in bulk. The name of the program you would probably be interested in is the California Major Risk Medical Insurance Program (MRMIP). I’ve included a link to a .pdf booklet explaining the program. You can only enroll for 36 months.

I would also try and get quotes on locally available health plans. Try MostChoice.com. It offers online quotes and plan details, but you’ll be more interested in the site’s ability to put you in touch with CA-licensed insurance agents without any cost or obligation to you. You just tell the agents what you want in terms of coverage and price and let them do the searching for you. If you don’t like what they have to offer or private insurance is too expensive, then check out the state programs.

You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm
Good luck. I hope you and your husband get help soon.
Barnes@MostChoice

Other Answers:
Your Cobra provider should supply you options in which you can roll into another policy/plan. Often times you can be accepted on the premise you were for the previous policy, thus not taking the preexisting condition into play. You can also get a policy which will cover everything EXCEPT your preexisting condition. For coverage on the condition, you'd have to pay an additional fee.

BUT, to answer your question, insurance companies are about making money. Wonder why they've been around for over a 100 years??

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