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So what do you think about being denied health insurance if you have pre-existing conditions?

While it’s true that you may still be denied health insurance if you have pre-existing health insurance, there are other options open to you, including the Pre-Existing Condition Insurance Plan (PCIP). PCIP is really only a temporary program, intended to bridge the gap between now and 2014, when it will become illegal to discriminate against those with pre-existing conditions.

Depending on your point of view, this may appeal to you or not. You could wait until 2014, but do you really want to take the chance? Having some form of health insurance, no matter what it is, is essential to your well-being. With a pre-existing condition that may change over time or worsen, health insurance is even more critical.

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