Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Sep 15, 2020
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
People who suffer as a result of major disease or illness, such as AIDS/HIV, have special concerns with respect to health insurance coverage. People can quality for Group health insurance coverage despite disease or illness, however, exclusions for pre-existing conditions may restrict available coverage.
Some states require insurance companies that offer health insurance in that state to offer health insurance to all applicants so if you are a resident of such a state you will be able to obtain health insurance on an individual basis. Some states have state-run health insurance plans; however, the premium for such plans are is often high as a result of adverse selection (typically people who are sick and unable to obtain coverage elsewhere comprise the majority of the pool of insureds in such plans). As a final resort, people with major diseases and illness deplete their assets and resources to qualify for coverage under Medicaid.