Forum: Liquid Lounge
Note that this isn't a "too expensive" issue - I just get letters saying that they are unable to write me a policy.
I tried joining a small business organization that touts it's insurance pretty widely - they took my membership dues, charged me top dollar to get their "special" physical exam - and then sent me a refusal letter. Nearly 400 dollars later, I got a bunch of e-mail spam and a monthly newsletter for a year, but no health coverage.
My GP helps out with samples when I need meds - he's been my primary care doc for 25 years now - but for everything elseI'm in the scary position of paying my own way, exactly as you suggest.
I'm cool with it - hopefully good genetics will be my ally, and everybody dies some time - but this is definitely more than theoretical for me.