If you have insurance and you change jobs to another state that might not have group insurance can you get insurance if you have a disabled child that has had large health expenses?

Its up to the insurance company as regulated by the state they are doing business in I believe. I have MS if I were to change jobs and insurers I could very well be denied coverage.. IT happens all the time.. Another travisty of our free market system, and special interest groups!

Answer

45 of our 50 states allow underwriting, meaning that your child will not be eligible for individual health insurance in those states. Group insurance is guaranteed issue, if you can find a job that offers it. The problem is that the employer owns the policy, and you are at the whim of that employer.

Medicare, Medicaid, and SCHIP should be government assisted options worth looking at.

Don

http://mtnhealthinsurance.com