What types of individual health and dental plans are there?

There are three. A medically underwritten plan asks health questions: it usually gives you the most coverage for your money, but the insurer can decline you or exclude a condition you already have. A guaranteed issue plan asks no health questions if you apply within the window after your group coverage through work ends, usually 60 days and sometimes up to 90. A guaranteed acceptance plan asks no health questions and you can apply at any time, but it gives you the least coverage for each dollar. See how the three plans differ.