I'm 35 and i've been on my company's health insurance for 7 years and have had a clean bill of health the whole time. Two months ago I got sick with a complicated case of strep throat and had some tests done including a cat-scan to make sure I didn't have absesses, which I didn't. Now i'm finally healthy again.

Now I may be changing jobs and will need to get my own insurance. Cobra is cost prohibitive for me. My concern is that the online applications all ask if i've had health insurance in the last 63 days. I'm worried that they will look at the last two months and classify me at a much higher risk than I should be...I'm generally extremely healthy- don't smoke, or drink or do drugs, and I exercise and eat well and almost never get colds.

How will the insurance companies assess risk? Will they call my provider and look at my whole history? Or only the last 63 days? And do they always call the provider to check history? Should I wait two more months and then apply for insurance so that my last 63 days will show a clean bill of health? Thanks for your help.