If you're considered to be in the high-risk medical category, it will be difficult for you to find health insurance through the voluntary insurance market. When you do locate a company that is willing to take on the risk, be prepared to reach a little deeper into your pocket to pay the premiums. Insurance companies are in the business of making money and generally do not like to insure high-risk policyholders.
To get a better understanding of your options, let's take it step by step:
What is considered a high risk individual?
You fall into the high-risk category if you have a pre-existing condition or serious illness that would increase the likelihood of a filing a health insurance claim (generally high-cost claims). High-risk individuals are usually turned down by conventional health insurance companies or charged an exorbitantly high premium.
- Great West Health Insurance Company
Great-West Healthcare offers one of the largest national networks, and also offers consumer driven plans.
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