I thought OC was going to fix this?

[teejayevans]

I'm being let go by my megacorp...was trying to hang on until retirement age where I would have access to group insurance, not to be .
So I had cancer treatment in 2009 and declared cancer free in 2010. I'm checking with insurance agent about getting individual health insurance, all but 1 rejected me without even an application, except for Aetna, questions:

• I thought Obamacare was going to fix this, or will that happen in 2014?
• If I'm declined by Aetna, I'll go Cobra route for 18 months but that will leave me a few months short of 2014, what will be my options then?
• If declined, would it be worth reapplying at end of COBRA period, or am I permanently blackballed?

thx,
TJ

 

[MichaelB]

Teejayevans, you are referring to the Patient Protection and Affordable Care Act, PPACA. The provisions affecting pre-existing conditions take effect in 2014. Your state may have a high risk pool option for you. If that is not accepting new enrolled, a federal program may be an option, but requires 6 months of no insurance to qualify. See here https://www.pcip.gov/