With all due respect, I sell health insurance in California and it is rare that I cannot find health coverage for my clients. The "uninnsurable" have a number of means to find insurance and I have had a great deal of success in getting coverage.
You forget that California has numerous ways to insure individuals.
1) If you are indigent, Med-Cal
2) Federally, Medicaid
3) (for the working poor) Healthy Families
4) Guaranteed issuance of group coverage down to 2 employees
5) COBRA (for groups of 20 or more employees
6) Cal-COBRA (extending COBRA to groups of 2)
7) Guaranteed conversion of COBRA policies to individual plans under the HIPAA
8) Union Plans that guarantee acceptance for working union members of SAG, AFTRA, AFL-CIO and others (as individuals)
9) Underwriting guidelines may well insure various "uninsured" at higher rates depending on the condition.
(Denny Crane: "There are two places to find the truth. First God and then Fox News.")
1) If you are indigent, Med-Cal
2) Federally, Medicaid
3) (for the working poor) Healthy Families
4) Guaranteed issuance of group coverage down to 2 employees
5) COBRA (for groups of 20 or more employees
6) Cal-COBRA (extending COBRA to groups of 2)
7) Guaranteed conversion of COBRA policies to individual plans under the HIPAA
8) Union Plans that guarantee acceptance for working union members of SAG, AFTRA, AFL-CIO and others (as individuals)
9) Underwriting guidelines may well insure various "uninsured" at higher rates depending on the condition.
1) Not indigent.
2) Not eligible for medicaid
3) Don't qualify (not working poor).
4) Self employed (Should I give up my income to work for health insurance? Legitimate question, I suppose and I hear the casinos are hiring.)
5) Not eligible for Cobra.
6) Not eligible for Cal Cobra.
7) Cobra conversion (no Cobra, no conversion)
8) Union plan - not a member.
9) Insurance at higher rate? Should I give you a call?