Every state is different. Which state do you live in? Every insurance company has different underwriting guidelines as well. Sometimes it is easier to contact a good agency in your state and ask them to call various insurers to find out which would consider your case. I think that you have a good chance to get him insured given the situation.

Thanks. I have found out that assurant (time insurance) has underwriters that will look at each case on an individual basis. Golden rule, obviously, has robot-like underwriters who "go by the book" and are too lazy to research an individual case further. Their loss, because my husband is very healthy and I am going to cancel the policy they just issued to me and my daughter. Kudos to assurant (private healthcare network of providers). For anyone looking for a good insurance company, I highly suggest applying with them first before wasting time with other "behind-the-times" insurance companies. Just make sure that you get a complete medical history and completely disclose all conditions that each family member has had. Unlike many other companies, assurant will only go back 5 years for the underwriting process.

I also have a medical condition and was practically rejected by every type of insurance company. However, I had a very nice insurance agent named Gigi, who helped me apply to every type of insurance company till I was finally accepted by Aetna.

According to her, Aetna is the most lenient health insurance company in accepting clients with pre-existing conditions. then it is Blue Cross, Kaiser, Blue Shield and then Health Net.

I also heard from a friend that if you have group health insurance, it doesn't matter what medical conditions you have, you will be covered. Maybe he can see if his company offers health insurance.

then there is also Major Risk Programs, Cobra, and Hipaa plans.