What types of pre-existing conditions may prevent me from getting health insurance?

What types of pre-existing conditions may prevent me from getting health insurance?

Elliot Matloff (President and Broker, The Matloff Company) gives expert video advice on: What types of pre-existing conditions may prevent me from getting health insurance?; What might prevent me from being approved for health insurance?; What is "Medicare"? and more...

Almost everyone who has cancer history or heart disease is unfortunately uninsurable. Cancer is a little bit more forgivable if the person has gone through seven or more years of treatment free living, but anyone who has been treated with heart disease typically is uninsurable. Someone who is taking too many medications is also uninsurable. The insurance company looks at the cost of medications. For example, some psychiatric medications and headache medications are extremely expensive. If the insurance company looks at the costs and they see that you're going to be paying $400 a month in medication costs, the might well not want to accept you paying only $300 in premium. Health insurance companies have to work on a profit like everybody else, and if they see that the expenses are greater than the income, they're not going to accept you.