Ileft my former employment to start my own firm last year. It is very rewarding, but I am having a great deal of trouble getting insurance. I wanted to get an individual policy, high deductible, with the physicians we use in the network. The problem is that I have a benign arrthymia known as PACs (premature atrial contractions). I have been assured by my internist and cariologist that there is no problem, and no treatment is required. Moreover, we went down this road because I am an amateur athlete, and my internist wanted to make sure that the arrthymia would not cause a problem in the course of my long distance running. I was cleared to do anything I want.
This makes no difference to the insurers, however. They seem to be looking for an excuse to deny coverage, and in fact they have. I may be stuck with a group I can join, but which has a very high premium due to the high average age of the group (most, like me, are in their 50s), or perhaps a COBRA (or is it HIPAA) individual conversion policy without medical underwriting, which I understand is available to me, but at what will probably be a staggering cost.
I have two questions. First, it is stressful enough to have this arrthymia even though the physicians assure me there is nothing to wory about. The insurers seemingly indicating that there is, and frankly I hate that. Is this typical in circumstances like mine?
Second, are there other options for more affordable coverage? (I live in Maryland).