http://www.healthcare.gov/law/provisions/preexisting/index.html

There's a wealth of information available through the website above. I linked you directly to the general pre-existing condition insurance page...

The average health insurance policy for a family of 4 is roughly $13,000.00 So called "cadillac plans" kick in around 18k or higher. $439.00/mo. projects over a year to be roughly $5,268.00

Here's the link to Illinois's specific page for Pre-existing condition insurance plan...
http://www.healthcare.gov/law/provisions/preexisting/states/il.html

There's a phone number and web site to learn more about this issue.

Here's a link to a bridge program, that went into effect on July 1st, 2010.
http://www.healthcare.gov/law/timeline/index.html

"A Pre-Existing Condition Insurance Plan will provide new coverage options to individuals who have been uninsured for at least six months because of a pre-existing condition. States have the option of running this new program in their state. If a state chooses not to do so, a plan will be established by the Department of Health and Human Services in that state. This program serves as a bridge to 2014, when all discrimination against pre-existing conditions will be prohibited. Learn more about the Pre-Existing Condition Insurance Plan."

Its certainly not perfect. I do think there may be some reasonably appealing options that can get you through on a short term basis, until the exchanges and everything kicks in in 2014.

It goes without saying that if the Republicans are successful at repealing the Affordable Care Act, then you have much bigger problems. Even if the individual mandate is ruled un-constitutional, that sticks the Insurance companies with a lousy risk pool, to which they know only one remedy. Raise everyone's rates enough to absorb the people who don't get health insurance until they become ill.

Funny how this individual mandate was just dandy when the GOP used it to scuttle Clinton's attempt at HC reform back in the late 80's. They insisted on it, Clinton rejected it. Likewise, a republican governor, Mitt Romney-MA used it in his universal coverage and I don't remember anyone predicting the fall of the country.

Good Luck, Beak....If I can help with any questions or other info, just let me know...

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Bill in Dayton

[This message has been edited by Bill in Dayton (edited 12-14-2010).]