Individual health insurance works very different than getting coverage through your employer. Most importantly to note, health insurance offered through your employer is guaranteed from a health standpoint. As long as you work the required number of months to fulfill the waiting period, you will qualify for health insurance. On the individual side, it works a whole lot different. Applying for individual health insurance usually involves a few steps. After picking the right plan and applying, you will most likely not have an answer because the the application will be sent to underwriting. Health insurance carriers will see if you will qualify for health insurance. They usually check about three years worth of medical records and see if you would be a risky person for them to insure. Starting in 2014, the health reform states that no one can be turned down for individual health insurance because of pre-existing conditions. But today, still if you have complications the health insurance carrier could deny you coverage.
If their are some pre-existing conditions present before you apply, then maybe considering a higher deductible plan is the best option. Health insurance carriers will approve your application at a higher rate if they know that you will front more of the health bills. Additionally, if they do approve you, if could be at a higher rate.