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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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Insurance after cancer

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 was interested in health insurance for my husband. He needs insurance to cover his pre-existing condition. He had a very rare cancer a couple of years ago and he is now in remission. He goes to the doctor once a year now for checkups. So I want to see if this insurance will cover pre-existing conditions?

A: First of all, you should realize that the type of individual insurance he needs that will cover the cancer is not found on the Internet, so do not be lured into surfing the Net in hopes of finding a magic answer. This tends to lead to being drawn into health plan scams or otherwise misleading health plans. Learn your options by reading the article "Finding Health Insurance for Pre-existing Medical Conditions" at and become very familiar with the provisions of the HIPAA assigned risk pool in your state. Usually the best possible solution for married cancer patients is usually to find a way to be covered on a working spouse's health plan. It is not uncommon for a spouse to change jobs simply to get spousal insurance. The Basic Health Insurance at you asked about is available, but this is a supplemental insurance rather than a primary coverage. You will need to go offline and get him enrolled in the plan designated for this purpose by your state.


More resources:

article: "Finding Health Insurance to Cover Pre-existing Medical Conditions"