Recently, I unexpectedly lost my group health insurance one year shy of qualifying for Medicare. I wasn't too concerned because I knew I could afford private health insurance as long as the policy carried a high deductible. That way, even though I would have to pay out of pocket for smaller health costs, I would be protected should a major illness or injury strike.
My husband is self-employed and depends on my coverage, so we both applied to a well-known insurance company that runs television ads featuring heartwarming stories about families they insure.
Because I had once complained to a doctor of low back pain, the company deemed me uninsurable, even after I presented the tests the doctor ran that showed there was no problem.