Self-employed Health Insurance in Florida

A: There is nothing in your question to indicate that you would not qualify for high quality medical insurance at standard rates if you apply to an appropriate insurance company. You should immediately withdrawal the application with United Health if you are not absolutely sure that you meet the company's medical underwriting criteria. (You should never make an application for any type health insurance until you know for sure that there is no risk of decline). In addition, you may have appropriate concerns about the quality of this coverage. Controlled HBP is not a disqualifying factor nor is a melanoma without symptoms for more than ten years or anxiety treatment five years ago. According to reports from other readers of this column, United Health apparently has a bad track record in making medical underwriting criteria clear to applicants and there is a risk of decline. You should not take this risk. Once declined, you will be ineligible for better insurance plans for at least a year. If, on the other hand, you have already been declined for insurance, that is a separate and more serious problem in itself. If this is the case, then see FreedomBenefits.net information on "previously declined for health insurance". You can get a fast telephone pre-approval for one of Florida's best individual medical insurance plans by calling the (800) number listed on the contacts page at www.celticenrollment.com . These Celtic Insurance options include high deductible plans that qualify you for a health savings account. If you cannot be approved by Celtic or the other plans listed on FreedomBenefits.net, then please follow-up with more detail. (There is no risk in making an online application to any of these listed plans since the application results are not reported to the Medical Information Bureau).