Tuesday, May 10, 2011

How do I find affordable, personal health insurance at age 54?

Kaiser would not take me back, after I had lapsed. I am normal, with aches and pains of most anyone, but afraid of being denied coverage at any new application!
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Unfortunately, affordable for someone 54 isn't likely. Well, I guess affordable is a relative term. It depends on your geographic location. I assume that you're in CA. If so, your best bet is to apply for coverage through a group (in CA a group is 2 or more people). If you don't have a group, create one with a friend or colleague. If I'm not mistaken, groups cannot be denied coverage. The insurance companies don't have to make the coverage cheap but they have to provide it. Best of luck!
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