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Dear Insurance Adviser, I am on COBRA trying to find health insurance for the gap until I reach age 65 and Medicare. I am 61 and have been denied insurance for pre-existing conditions. What are my options, and will I be able to get insurance with the new insurance law? –Denied in Delaware Dear Denied, The federal Consolidated Omnibus Budget Reconciliation Act program allows ex-employees to leave a job and be able to continue their group health insurance at their own expense for a period of time — usually 18 months. That’s a very good thing. The bad thing for [...]

Dear Insurance Adviser, My husband is between jobs. While he is unemployed, we have to pay the health insurance premium, which is pretty high at $ 1,300 per month for our family. Is this premium tax-deductible for us? — Needing a Break Dear Needing, I won’t respond to the question about the tax deductibility of health insurance premiums because that’s a better question for your tax accountant. I do have some suggestions that may help you ease the burden of that $ 1,300 monthly nut, however. I believe your insurance question concerns COBRA, a great federal program that guarantees people [...]