Pre-Existing Conditions Make Affordable Health Insurance Elusive

Recent media reports note that consumers are having a tougher time finding affordable health insurance.

A recent report in Pennsylvania's Intelligencer newspaper profiles some local residents who have had difficulty finding adequate health coverage because of pre-existing conditions - regardless of their overall health.

The report notes that 18 million Americans bought health insurance policies last year, and some insurers reject up to 10 percent of them because of pre-existing conditions.

The newspaper notes that the federal HIPAA law prevents people with employer-provided coverage from being denied over pre-existing conditions. This protection is not the same for those in the individual health insurance market.

People with pre-existing conditions can try to get coverage from their state's high-risk insurance pool, depending on which one they live in. According to the American Diabetes Association website, some states also mandate that no one can be turned down for coverage based on their health status.

By shopping around and following various money-saving tips, consumers are often to find an affordable health insurance policy that suits them.

For more on finding the right health insurance policy, visit InsureMe.com today.