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COBRA ending, now what
Apr 30, 2007

My COBRA coverage will be running out soon. I have paid my premiums on time every month but I am worried about trying to find someone who will insure me. Can a HIPAA policy invoke pre-existing condition exclusions or jack up rates sky high on me?

Response from Ms. Franzoi

When your COBRA coverage ends, you will be eligible for a HIPAA policy as long as you don't have a break in coverage of 63 days or more. Since your COBRA coverage was 18 months, you have had more than 12 months of coverage so there could not be a pre-existing condition exclusion for you in the policy. However, HIPAA policies are more expensive than standard rated policies.

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