I received my insurance cancellation in the mail. And I made my first (super expensive!) COBRA payment. Ugh. This happened to coincide with reaching my out-of-pocket max for the year. Double Ugh. I called the company to inquire about their policies for individuals purchasing their own insurance. I began to explain my situation, told him I had Endometriosis. "You have what now?" This guy couldn't pronounce Endometriosis after I clearly stated it three times & spelled it twice. He asked me to describe it & (annoyed) I responded, "It's complicated."
He needed to check with his supervisor to see if they would even consider offering me any plan at all (given my condition) & get back to me by the end of the day. (Which he didn't & still hasn't). How frustrating! I'm suddenly not good enough to insure. I seem to remember my insurance payments taken from every single check I received. So why all of a sudden don't you want my money? Interesting.
I'm not a health care expert, so don't get me wrong. But I can't help but think this is backwards. When I go to the market, they sell food & if I can pay for the item, I can buy it. The owner doesn't ask me a list of questions to see whether or not he will sell me the food. Why isn't insurance the same way? If you offer plans in my area, why can't I just sign up & pay a reasonable fee for it.
Or better yet, if you need medical care, you can go to a hospital or doctor's office & receive care. It doesn't matter what your job might be or if your insurance validates your condition, if you need help you can get it. I'm not gonna pretend to know the best way to enact this, but it seems morally correct to me.