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Question DetailsAsked on 1/18/2012

I applied for HC insurance at a well-known company which declined my app because I was treated for addiction over a yr ago. Is that legal?

I was in a 30-day program for alcoholism which is recognized by the AMA as a disease. I ran out of my COBRA coverage which I received after my job was eliminated in 2008. I never missed a payment.

I applied to Health Partners who declined my application because of my treatment. Even though I've remained sober for well over a year, they won't even consider me until I've been dry for 3 years. Is this legal? Discriminatory? What do they do with folks who have cancer in remission?

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1 Answer


Individual health insurance is medically underwritten. These are private, for profit institutions, so yes it's legal. Each company has different underwriting standards, so use a broker to save time. Brokers services are free.

To answer your questions about cancer in remission. Typically most cancers are an auto decline for at least 10 years.


Answered 8 years ago by

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