Dave020, it is certainly going to be a rate up to him, especially if he has been used to a group plan and does not qualify for any subsidy....no matter who he/she voted for! To the original poster: as others have said, you can get coverage thru ACA now if u qualify. If not you wait until November. Regardless, I hope you are sitting down when you get ur quote from ACA, pre-exisiting or not! Unless you get a big subsidy, you are going to be in for some serious sticker shock! Good luck! ---------- One more alternative would be a "short term" policy or an indemnity policy BUT most if not all will not cover any pre-x. Meaning....they will issue you a policy but any pre-x condition will not be covered. For your situation it is probably best to get an ACA plan now if you qualify, or wait until Nov. 1st to enroll for a start date of Jan 1st.