I am 44 years old and my wife's 45. I have private insurance that I've had for decades, but is really horrible (no meds paid for, no well-care or preventative care, large deductible PER ILLNESS, etc.) I am looking for new health insurance but I'm currently diabetic. Further, due to poor aftercare post elective (sort of) surgery on her abdomen, my wife had a pulmonary embolism. Now I'm faced with two HUGE riders on any new plan, even an HSA-related one, and I'm concerned that ANYTHING catastrophic that happens to me, which would be covered by my current plan, will be related to the diabetes (non-insulin dependent type-II under control with diet & medication) and not covered, wiping me out financially. The only thing I can think of, for your case at least, is if you can find someone willing to do the surgery/procedures necessary to fix rather than just treat the pain from the problem and see if they'll work with you on the price, then save up towards it. But from what I can see, not only will you never have full coverage again, even the coming "reforms" (God help us all) won't fix this (or any other) health insurance related problem.
