You can apply for private health insurance at any time if you are not or your spouse is not already covered by a work-related group health insurance plan. Most private insurance companies will require that you provide medical records for the past several years in order to determine your eligibility for coverage.
Although private health care is more expensive than group health insurance, the fact that you are allowed to pick and choose from different levels of coverage and to refuse certain coverage options altogether (like chiropractic or mental health) can make some basic private insurance plans more affordable.
Research private health insurance companies within your state for additional information on applying for coverage.
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