Lots More Information

Related HowStuffWorks Articles

• How Health Insurance Works
• How Prescription Drug Benefits Work
• How Medicare Works
• How Provider Networks Work
• How Health Insurance Claims Work
• How Out-of-Pocket Expenses Work
• How Medical and Health Savings Account Work

More Great Links

• CBS News: The "Uninsurables"
• Consumer Guides for Getting and Keeping Insurance (Listed by State)
• NAIC: State's Insurance Department Web Sites
• MMC: Insurance Basics, Exclusions in Coverage

Sources

• CBS News: Resources on Finding Individual Health Insurance. http://www.cbsnews.com/stories/2007/05/23/fyi/main2843052.shtml
• FreeAdvice.com: Exclusions and Limitations. http://insurance.freeadvice.com/insurance_help.php/108_119_127.htm
• U.S. Department of Labor: Pre-Existing Condition Exclusion. http://www.dol.gov/
  elaws/ebsa/health/glossary.htm?wd=Preexisting_Condition_Exclusion
• NAIC: State's Insurance Department Web Sites. http://www.naic.org/state_web_map.htm
• Insure.com: Tips for Buying Individual Health Coverage. http://www.insure.com/
  articles/healthinsurance/individual-health-coverage.html