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Should I enroll in the high risk healthcare pool when my COBRA expires?

Irving, TX |

I had COBRA under federal law until April of this year, and under Texas it will expire on October 1. I am self-employed. All the other companies I have checked with have denied me based on pre-existing conditions, and the only place that will take me is the High Risk pool. What are the risks I will take as far as future coverage if I do not enroll in the high risk pool between October and January when Obamacare kicks in?

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Attorney answers 1


Effective January 1, 2014, no pre-existing condition exclusions are allowed. Consequently, you do not need to have creditable coverage prior to obtaining coverage in order to avoid pre-existing condition exclusions any longer. Your risk is that you will have no coverage from October through January 1, 2014.