I'm self-employed and my family uses a health share plan (MediShare) since private insurance was about 5x the price.
I am in need of back fusion surgery and MediShare won't cover the cost since it's a preexisting condition and I've been with them less than 3 years.
If I were to sign up for an individual plan through healthcare.gov for a few months, does the health insurance company really have cover costs up the upcoming surgery (after deductible of course)?
I keep reading about how the insurance companies have to accept applicants pre-existing conditions. Is it really that easy?
I really don't feel right about doing so since I know the money paid out for the surgery is essentially coming from other policyholder premiums but when surgery would be $80k out of pocket, I'm looking at all options.
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