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If you are not eligible for COBRA, HIPAA, insurance policy conversion, state continuation, Medicaid, Medicare, or any kind of state-sponsored healthcare program, but require economical medical insurance in New york city, you may need to acquire an individual medical insurance strategy.

The majority of people groan at the thought of purchasing an individual medical insurance plan-- and for excellent reason. Specific medical insurance strategies are typically more pricey than the ideal healthcare coverage-- employer-sponsored group medical insurance strategies. Nevertheless, in New York, you can acquire a cost effective individual health insurance coverage plan for a few factors.

First, when you set out to acquire a specific health insurance strategy in New york city, you can not be denied due to your certain health conditions. This is great news since many individuals with pre-existing health conditions tend to have a tough time finding medical insurance business that will sell medical insurance to them. Health insurance coverage companies see individuals with pre-existing or severe health conditions as higher dangers to guarantee. They see them as possibly lost money. Yet, in New York, there are health insurance coverage business that will not turn you down regardless of any pre-existing health conditions you may have, or the seriousness of the health condition.

Second, you will not be charged a greater health insurance coverage rate due to your pre-existing health condition, no matter the severity of your pre-existing health condition. This is more fantastic news, because people with pre-existing health conditions who do manage to acquire specific medical insurance policies do so for a high rate. They require health insurance coverage, particularly since they need take care of their pre-existing health conditions; however, since of their pre-existing health conditions, they pay high costs. It's a vicious cycle that New york city is working towards ending.

For more information about the medical insurance companies that offer these individual health insurance policies and their contact information, call the New york city Insurance Department.
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09 Avr 2016