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Google a search for "guaranteed issue" plans and policies online. Depending on the state where you live, these limited benefit plans can offer you some form of coverage when you don't qualify for traditional plans.

In the state of Florida, these type of plans will become available in January 2009. Google a search for "Cover Florida" for details.

PCIP is federal health insurance for people with pre-existing conditions. It is inexpensive, about $200/mo depending on your age. Eligibility and premiums are not based on income.

State assigned risk (guaranteed issue) plans cost $600-1000/mo. FL and TN have plans that are inexpensive, but have extremely low annual and lifetime maximums of $10K and 25K.

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