An individual policy may be less expensive, however an individual health policy can do several things depending on her health issue. They could increase the premium, they could exclude her health issue from 6 months to permanently, or they could decline to accept her. A call to a local agent that works with all the major companies in your area could answer your question.

A group policy has to accept her. They may exclude the pre-existing condition up to 1 year but it may be her only choice. Everyone on the group policy pays the same premium, no matter their age or health. The bad news is if the group is small enough and if her condition is expensive it would eventually raise the premium for the entire group.

this link will help

CIGNA is pretty good. I have their Starbridge Choices plan. I pay 21 dollars every two weeks for my husband and i.

Health insurance is obviously tied to your life style, sports activities etc., and in many cases inherent illness in the family. If your daughter has problems she would have to declare them to insurance co. and this will put premium up. If she doesn’t declare then when she is ill and they check her medical records they will not pay out. So get quotes and compare with existing policy that her employer runs. I would suggest that she is better off on the works one until she changes her job.

I have news for you, if she doesn’t have insurance NOW, she’s going to be screwed.

If she has pre-existing conditions and gets private health insurance, they are not going to approve ANYTHING related to those conditions for at least a year.

Her best bet is signing up with her employer at the next open enrollment and paying the higher premiums. Then she can get a secondary insurance for a year and drop the employer’s insurance plan.