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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.


Cheaper Health Insurance

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Question: Hi, first thank you for this great q&A. second, i last applied for health insurance about 5 years ago and i am currently still overweight. (5'7" 258lbs). bp is undercontrol as is cholesterol with the use of caduet 10/10. no diabetes, hx of asthma as a child, recent xray showed a small rough area of the socket in my hip, not really an issue according to my chiropractor. i need some relief from the premiums i'm paying currently, any chance of some cheaper insurance?

thanks again for the help

Answer: I assume your current policy is individual health insurance rather than group (employer) health insurance. If so, call your insurance agent or your insurance carrier directly and ask this: "What plans with lower premiums can I transfer to without going through underwriting?" Whatever the answer will be your only options for a change of coverage at this point. Because of your height / weight ratio and related health conditions, you would be declined for any health insurance coverage that requires underwriting. That leaves out all plans with other health insurance carriers as well as most plans with your current carrier.

Sorry for the bad news, especially after the nice things you said about me. On the bright side, you have health insurance. If you did not, you couldn't buy it at this point.

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