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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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No prior insurance

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 have just been diagnosed with type 2 diabetes. I am a small business owner/self employed. I do not have health insurance and now realize I am going to need it. Please advise as to what company I might get insurance with having this condition.

A: There are five ways that diabetics can obtain health insurance. All are outlined in the recently updated article "Health Insurance for Diabetics" that includes links and resources for free as well as professionally assisted service. Because you had no prior insurance, the available choices are more limited and the diabetes will be treated as an uncovered medical expenses for 6-18 months, depending on the insurance you select and your state laws. State laws require that some types of insurance pay for diabetic supplies, but the insurer is allowed to raise the price of the insurance to a level that more than compensates for the extra anticipated expenses. As a result, few diabetics can actually afford this type of insurance. Diabetics are increasingly likely to find that paying for an insurance that does not cover diabetes supplies and then paying these costs out-of-pocket is the lowest cost approach.


More resources:

Health Insurance for Diabetics