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On the Hunt

Finding health-care coverage that's just the right fit for you
August 1, 2003

Q: I need an affordable health-care plan that will cover pre-existing illness for self-employed business owners. Where can I find one?

Name withheld

A: Some states have laws that require insurance companies to cover people in situations like yours. For example, Colorado requires insurance companies to offer coverage to self-employed people who would normally be declined. Washington makes insurance companies sell individual health policies to anyone. And Florida guarantees individual health insurance coverage to "eligible" individuals.

Find a knowledgeable insurance agent who will work and solve problems with you. However, expect guaranteed coverage to cost 10 to 50 percent more than regularly issued insurance. There may also be a waiting period before pre-existing conditions are covered. Here are some other possibilities:

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