Q. I am 5 months pregnant and looking for health insurance. No one will accept me for coverage. Isn’t there a law against this?

A. Since you are looking for INDIVIDUAL coverage, unless you reside in one of a handful of states, the answer is no. In about 45 states carriers can refuse coverage and can refuse to cover your pregnancy.

Pregnancy is just like any other insurable issue. You must take responsibility and purchase the coverage BEFORE you need it.

You can try and negotiate with providers for a discount but most will want a good portion of their bill up front. You can pick up a discount plan for about [1] $20 per month that will provide you access to doctors & hospitals that have agreed to discount their services in exchange for prompt payment.

If you were no more than 3 months pregnant you could have purchased an [2] INSURED plan that would cover the pregnancy after 6 months.

These are the only options, short of finding work with an employer plan that has health insurance.