Health insurance options for a Brit in the US with pre-existing condition?

Question

I am American (29 years old), living in the UK with my British husband (39 years old). We are looking into relocating (going back, for me) to the US. The only thing holding us back at this point is health insurance. I would be fine with employer provided group insurance. My husband is not only British, but he also has a pre-existing condition known as Polymyositis. He is in perfectly good health, otherwise and is on a single medication once a week to control his disease.

Being that he has this, the main condition of our being able to relocate is that he must have health insurance as soon as possible when we do move over, which would mean an individual policy, as far as I can tell, which we don't mind at all paying for. So my question is basically, is this possible? Will anyone cover him? And if so, would there be a time period in which he would need to be resident in the US prior to coverage starting? Also, approximately what would be the cost of something like that? Thanks!

Answer 1

In FL, your hubby would have to have a green card for us to write him. The pre-existing condition would depend on the insurance company, they all differ. He would most likely have to go on a group policy as well after he gets his green card.

Answer 2

Your husband would be better off on a group insurance policy if there is one available.  

You would need to check with available individual plans in the area you are locating to.  See if they would accept your husband with his medical condition.  If they would accept him, would he have a year wait on Pre-existing conditions?  Those questions would need to be answered and you would need to submit an inquiry to the company to see how your husband would be treated.

I know BCBS states if you are not a US citizen you must have resided in the U.S. for at least six months and have had a complete physical by a physician in the US. within the past two years.  

If your husband was eligible through an employers group policy, he wouldn't have any pre-existing limitations as long as he was continually covered for the last 18 months