Student With Health insurance

Pre-existing Health Insurance

If you or any member of your family has a pre-existing condition, finding a health insurance policy to fit your needs can be very challenging. Many common conditions, including diabetes, hypertension, and now pregnancy are considered high risk and automatic denial for major medical. Unfortunately, most health insurance plans will not cover a cancer, heart attack, or stroke survivor either.

As for-profit companies, earn money by enrolling millions of healthy families while minimizing the number of medical claims they pay out. Understandably, health insurers do not want to take on someone that already has a known chronic or high risk health problem. Guaranteed issue health insurance may be the solution for families who are in the greatest need of health insurance. They are termed high risk policies,indemnity policies, guaranteed issue policies or man-made policies.


A guaranteed issue plan is required to provide coverage for all members regardless of their health condition. When buying one of these policies you are instantly accepted , there is no underwriting, medical exams or graded riders placed on the applicant. They are there as a good alternative to the traditional major medical policies such as Aetna, United, etc. You can turn to a guaranteed issue health insurance plan if you are unable to find other affordable family health insurance. A preconceived perception is that they are merely discount plans however this is not the case, they have major medical benefits within the policy.

In most cases, guaranteed issue plans provide comprehensive medical coverage and are available nationwide as they are PPO policies. They cover doctor and hospital visits, and both inpatient and outpatient health care. These policies are extremely affordable for the amount of overall coverage a member receives. Many also cover prescription medications, dental and vision benefits. These comprehensive plans are ideal and affordable for many families.





Discover a new health insurance option! Combine a tax-favored Health Savings Account (HSA) and an HSA-compatible
health insurance plan to save money tax-free for healthcare costs! Learn more.

  • Your HSA-Compatible
    Health Insurance Plan

    HSA-compatible health insurance plans are often less expensive than other health insurance plans.

    Find the right plan for you by entering your information into the form above. Get free quotes from our selection of HSA-compatible plans and apply online.

  • Administrators of
    Health Savings Accounts

    Next, choose an administrator for your Health Savings Account.

    We've collaborated with the nation's leading health savings account administrators to bring you the highest quality HSA products available.

  • Make Healthcare More Affordable
    Fund your Health Savings Account with pre-tax dollars, and reduce your taxable income.

    Withdraw funds tax-free to pay for qualifying medical expenses. What you don't spend grows from year to year

Common Questions
  • What is a health savings account?
  • Why should I consider getting an HSA?
  • What insurance plans are HSA-compatible?
  • How much can I contribute to my health savings account?
  • How do I use the funds in my HSA?
  • How do the tax savings work?
  • How can I get an HSA?
  • More>>