Off-Topic: Individual plans, yes.....

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	Name:	Lifer -
	Subject:	Individual plans, yes.....
	Date:	6/28/2012 2:51:59 PM

But as you know and I have pointed out before, this is NOT TRUE for group plans. Any condition once covered under any group plan MUST be covered under any future group plan. That is one of the provisions of COBRA. I didn't look up the difference in enrollment of individual vs. group plans for this post post, but if memory serves 90+% of folks in the US fall under group coverage as opposed to individual. This remains true even if there is a gap in coverage of several years. I know this to be true because I have made use of this provision personally.

Also what most folks don't know is that even individuals can get group coverage in different ways. One way that I know of is to join the Chamber of Commerce in many small and medium size towns. Many offer programs that allow you as a member to qualify for group coverage as a benefit of membership. Most CoC's can be joined for very little cost as an individual, usually around $100/yr.