I have lupus and want to start my own business. Can I buy individual health insurance even though I have lupus?
Dear Start-Up Jitters,
It depends upon what state you live in. If you live in Maine, you can buy an individual health insurance policy and the insurer cannot turn you away. The price will be based upon your age, your zip code, and whether you smoke. It will not be based upon your health status or past medical bills. There are several other states that currently have similar rules.
Starting in 2014, health reform will require all insurers to accept all customers.