Individual or student health insurance with pre-existing condition?

[somarco]

Only one carrier that I know offers multi-year rate guarantees and it remains to be seen how that will play out. It has been tried before and was a total failure once the guarantees expired.

Sounds good on paper. Plays out well (sometimes) in a competitive situation but I have my doubts about using it long term.

 

[Crabcake Johnny]

It's only a rate deferral so if you lock someone in on a 36 month rate guarantee you can expect at least a 70% whack after 3 years. I am personally not recommending it.

 

[arnguy]

I swear Vino sounds like Oleg.