Our Terms of Service and Privacy Policy have changed.

By continuing to use this site, you are agreeing to the new Privacy Policy and Terms of Service.

4 of 9
Laura LeRoy: Retired
Laura LeRoy: Retired
Laura LeRoy, 54, lives in Houston.
What I pay: $450 per month
Deductible: $5,000
Insurer: Aetna

I took an early retirement package from my company in 2005, and I chose to continue with group coverage for $450 a month and a $5,000 deductible. It was the cheapest option, and I only go to the doctor about once a year.

After the downfall on Wall Street, I looked closer at all my expenses and I learned I could get individual health insurance with better coverage for $225 a month. But the agent who's helping me find new health insurance is reluctant to send my application to insurance companies because they might decide I have a preexisting condition, based on a doctor visit I had last year.

What I want fixed: The whole preexisting condition is a huge dilemma in the insurance industry, and it's the biggest kink in the way of moving forward. I don't know whether the government should address this issue through a public option or a marketplace, but I want a plan that gives me a better bang for my buck and assures that I will always be covered.

NEXT: Chris Swenson: COBRA

Last updated October 15 2009: 6:29 PM ET
Email | Print | Share  |  RSS
google my aol my msn my yahoo! netvibes
Paste this link into your favorite RSS desktop reader
See all CNNMoney.com RSS FEEDS (close)
More Galleries
Ralph Lauren's many looks A look at his brands and iconic creations More
8 biggest job killing companies of 2015 Whole Foods became the latest corporate giant to lay off workers. Here's a look at the companies that have announced the most jobs cuts this year. More
America's best beer towns Here are the best cities to crack open a cold one and celebrate Oktoberfest, according to Trulia. More

Special Offer