I work for a start-up, and I am tasked with finding us health insurance. My boss’s son has a serious & expensive medical condition, and though their family has private coverage right now, the son has something through the state (Medi-Cal, maybe) because NO ONE will cover him. Add to that my boss’s back problem & cholesteral problems, and that I get migraines that have some pretty expensive meds. Everyone is currently insured under different plans (I’m on cobra from my last job).
Am I going to have difficulty finding a group plan? I know we’re “undesirable”, but isn’t the plan issued to the business? We want to get insurance in place before we hire more employees. Can a group plan refuse to cover his son? Can the company be denied group coverage flat out based on the health status of employees?