I do not have much to offer in particular. However, I suggest looking into "ZANDER" insurance (Brokerage firm). I heard of them on "The Dave Ramsey Show", a well respected and Nationally syndicated radio show on financial responsibilty. If nothing else, I am sure they will send you in the right direction (very helpful people). I use them for Life insurance.
Heck! Let`s talk to "Rich and Jeff". Perhaps there are enough Memebrs to justify a STARUPNATION "self-insure" policy? It`s been done with less people? Try contacting them (ZANDER), and express your needs and requirements. It`s: www.zanderins.com
Good health my friend.
If you were to get 500,000 people to contribute $500/years, for three years ($750,000,000 base fund).There would be no need for insurance premiums (as we know them) for that group. $750,000,000 @ 10% interest = $75,000,000/year. The National incident/illness rate for the ALL Governement Employees is 4-1/2 %..
It would take an average cost/incident of $3,333 to deplete just the interest only. The 4.5% figure runs the entire gamut on the injury spectrum. I find it hard to believe the costs-per-incident would EVER exceed $3,333. Unless there is a baby boom/plague - what`s the problem?
PS These figures are not "NAIVE" by any stretch. These numbers are based on a sample of several Hundred-Thousand employess (from Congress Members to Lawn maintenance). Please don`t try to answer the "what`s the problem" remark. Unless you are a "Supersleuth" that specializes in: convolution, subterfuge, crooked statisticians (no two agree on anything in a courtroom), Immigration reform, and the Medical industry "at-large"? Don`t bother.
As far as the Pharmaceutical Industry in concerned? Let them recuperate their R&D Money. It`s the Mega-Pharmacies that are out of control.
Some companies (Blue cross for example) offer a pre-existing condition waiver (for a fee) they will cover your pre-existing condition. they can be pricey tho.
In addition, out here in NY ther is a program called Healthy NY, in which they will not deny, but may withold coverage for a pre-existing condition for up to a year. I did a search and didn`t see anything like that in CO, except CCHN .
I wish you luck on your search, health insurance is tricky and expensive. Have you considered a Health Savings plan + catastrophic (emergy, hospital, surgery, etc) coverage? Here`s a link for a HSA company in CO.
Most people in this situation, say someone with a chronic condition such as diabetes who loses coverage, either has to get state coverage, or in some states, the state can more or less force someone to write you an affordable policy. I`m not sure about Colorado but in Minnesota, one of my friends who is diabetic recently lost his policy and had to get state coverage because he was considered uninsurable. So ... hope that helps.