updated June 28, 2011


Our guest asks:

I was searching some websites this morning to find medical insurance. Here is my situation. I work for a firm that is just three people. The others both would have to "opt out" of any group plans as they both have coverage under their union agreements. That leaves me. I understand some group insurance company will go ahead and write as long as there are several "eligible" employees even if they opt out and leave only one. Is this the case?

After looking around I have decided it is time for me to lose weight! I am in good heath with no medical issues except blood pressure pills, but I am sure I could pass another test without the pills. I have never had high blood pressure and at the time I was under an enormous amount of stress as I had just closed my business after 10 years. But one thing I cannot make go away is my weight - yet. I am 5'4 1/2" and 278 pounds.

Do you have a short term medical plan I can take out while I melt this weight off? I understand Celtic has a plan that does not penalize for weight. Say it's true!

OnlineAdviser responds:

Yes, a short term medical insurance by Celtic Insurance or any other carrier listed here is likely the best immediate option for 12 months in the situation you described while you are working on weight management. These short term medical insurance plans issue coverage at standard rates regardless of weight. The minimal cost of your blood pressure medication is best covered outside of insurance.

There are other limited benefit choices listed under the “most liberal eligibility” section on the state pages that do not  consider weight. 

Small business group health insurance rates do consider medical risks, including weight, into the pricing. So eventually the cost of medical risks associated with obesity will increase your insurance expenses unless you get it under control. This option remains available but you may get a better rate later.

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