Hi,

I am 38 years old and 9 years ago I had my kidney removed with a stage 1 malignant tumor (no lymph nodes involved). The procedure was successful and subsequent tests and CT scans have shown negative results - 100% bill of health. I have no other medical conditions and I have an extremely healthy lifestyle.

I am on COBRA and recently became self-employed. I am currently applying for individual health insurance. One of the major carriers said that they would cover me but only at the highest tier - 300% higher than the published rate for someone healthy at my age.

Will it be possible for me to find insurance and not be charged the highest tier? How will my case be viewed after 10 years? Will my cancer surgery still be a factor in my underwriting?