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If you are not eligible for COBRA, HIPAA, insurance coverage conversion, state extension, Medicaid, Medicare, or any type of state-sponsored health care program, however need inexpensive health insurance in New York, you may need to acquire a private health insurance strategy.
The majority of people groan at the idea of buying a private health insurance strategy– and for great reason. Private health insurance plans are typically more pricey than the perfect health care protection– employer-sponsored group health insurance plans. However, in New York, you can purchase an affordable individual medical insurance plan for a number of factors.
When you set out to buy a specific health insurance plan in New York, you can not be turned down due to your specific health conditions. This is great news due to the fact that many individuals with pre-existing health conditions tend to have a tough time finding medical insurance business that will offer health insurance to them. Health insurance companies see individuals with serious or pre-existing health conditions as higher dangers to insure. They view them as possibly lost money. Yet, in New York, there are medical insurance companies that will not turn you down regardless of any pre-existing health conditions you might have, or the severity of the health condition.
Second, you will not be charged a higher health insurance coverage rate due to your pre-existing health condition, regardless of the severity of your pre-existing health condition. They require health insurance coverage, specifically because they require care for their pre-existing health conditions; however, because of their pre-existing health conditions, they pay high rates.
For more information about the medical insurance business that provide these individual medical insurance policies and their contact information, contact the New York Insurance Department.