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If your employer cancelled your benefits you usually fit in one of two categories. The first category is that your employer cancelled benefits and did not give you any money or direction as to where to buy your health insurance. The second is that your employer cancelled the benefits but gave you a raise in pay or allowance to buy health insurance. Let's talk briefly about the options for the first individual.

You have many options available based on your individual or family's health particulars. If you are a family who has no pre-existing conditions or very minor pre-existing conditions like allergies, acid reflux, slight obesity, etc., you will be able to qualify for most of the individual family health insurance plans available. You can get quotes of plans from covermi.com's website. You have all the options on the table.
If you or someone in your family has a serious pre-existing condition like diabetes, or takes 2 or more prescriptions a day you can look at the Blue Cross Options Only. Blue Cross does not discriminate on health particulars so you will be accepted by Blue Cross.

If you are the second person where your employer cancelled your benefits and pays or remimburses your health insurance premiums, then all options are available EXCEPT Blue Cross Blue Shield products. You will be ineligible for Blue Cross coverage because your employer contributes to paying your premium. That means if your employer contributes and you have serious pre-existing conditions you will not be able to get insurance. Since the other insurance companies underwrite (meaning they ask you medical questions) they discriminate on the basis of your current health status. The good news is that the other insurance companies will insure you when your employer reimburses or pays your premiums.

If this was helpful let us know. If it was not please tell us your specific situation and we can work with you regarding your health insurance situation.

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