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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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GA insurance with medical history

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I live in Georgia and need health insurance when my COBRA runs out next month. I am 35, 5’6” 255 lbs. I take synthroid for hypothyroidism and glucofage for insulin resistance but I do not have any sort of diabetes. I have elevated cholesterol and am taking a statin drug on a trial basis. Can you let me know which policies will cover me, I’ll pay for my Rx, not a problem. I’m more concerned with having full comprehensive coverage.

A: The most likely choice is Secure STM. See (for short periods of coverage up to 6 months) or the similar "Secure STM 12x3" plan (Secure STM 12x3 compare/quote/apply online) for up to 36 months of guaranteed continuous coverage. The coverage options available and the prices of those options will be directly available on the pricing/enrollment page. These policies will screen for weight or your specific medical history. Just be sure that you apply for this immediate-issue insurance first, before applying for any other health insurance. If you are declined by another insurance company, then the Secure STM plan is no longer available and you will be eligible for only the state assigned risk plan at a higher price and lower level of benefits.


More resources:

Secure STM 12x3 compare/quote/apply online