I began a health insurance policy about a year ago. When i found out that i was hiv + a few months ago i went to a specialist. I recently received a letter from my insurance carrier with a refund check declaring that i have been dropped from the policy. The reasons were that they said i misrepresented material facts on the application (not dealing with HIV; however, dealing with the use of tobacco and drugs, etc.) Can they do this? I have heard that insurance companies will pull tricks to drop any insured who will cost them more money down the road.

If i cant get reinstated, are there other insurance carriers that will insure me for Health insurance, and if so, how much more is it. Im not extremely worried about the disease as much as i am worried about a severe accident or heart attack, etc. where the hospital bills of such events would financially wipe me out.

Last but not least, do you know of any life insurance carriers and if so who are they and are the premiums astronomical?

Did you misrepresent facts on your application about tobacco and drug use? If so, that would be a reason that the insurance company could use to cancel your coverage. If not, you should request to be reinstated. An insurance broker who specializes in indvidual policies for health care coverage in your area could assist you with determining what is available. With respect to life insurance, as of December 2004, NY Life, Physicians Life and Mutual of Omaha were issuing some life insurance policies without medical underwriting.