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There are individual health plans that are sponsored by the State of Connecticut that do not deny based on pre existing conditions and that for many are more affordable than a private health insurance policy. Two of these programs are the Charter Oak Health Plan and the Husky program.

After many news reports and article after article full of information about the passing of the health care reform act many believe that that day and time came months ago. It hasn’t. At least not yet.

Many people think that having an insurance denial on their record is a “kiss of death” and prevents them from getting coverage from other carriers. This belief can cost you a lot of money if you have a major claim that could have been insured had you pursued other options.

One of the big problems with our current health insurance system is that health insurance is often tied to employment. This means that if you lose your job, you also lose your health insurance. It also means that if your employer cancels the health insurance for your company, you can lose your coverage due to no fault of your own.