Question: My employer offers me health insurance for me and my family, however the cost deducted from my pay check is outrageously high, were talking about $500 a pay check. I can’t afford that payment, and on top of that, the coverage is horrible. It would be far cheaper for me to purchase an insurance policy myself though a company outside of work, at half the cost, and with far better coverage. However all insurance companies I’ve called have denied coverage because my employer offers me insurance. Is this a law that Insurance companies can’t offer insurance for individuals who are given the option through their work?

Answer: You cannot be denied individual health insurance because you have group health insurance available. I don’t know why you were told otherwise. Perhaps, you are being denied individual health insurance because you do not meet the underwriting requirements - most frequently for preexisting medical conditions.