IF you currently have coverage...
you cannot be denied coverage.
but there are NO pricing guarantees...
IF you can
remain part of a group coverage policy or join another group plan,
these will generally be less expensive for equal coverage benefits than individual policies.
BUT individual or group plans can (and do) raise premiums or co-pays and so on... regularly.
living in maryland? start with the basic links....
Health Insurance Portability & Accountability Act (HIPAA)
Maryland Insurance Administration Home Page
Maryland Health Insurance Plan (MHIP)
IF you are covered by bc/bs or another large provider explore their other policy options...
keep in mind that 'switching plans' even within the same provider...
is technically APPLYING for a new policy.
so don't drop current coverage until the new plan is priced and you have been accepted.
some retirees relocate or go full time BUT keep their insurance back in the home state.
because again, apply for 'bc' in a different state is applying for a completely NEW PROVIDER policy.
with a whole new 'starting premium/rate plan'
so they, schedule yearly visits, tests and so on back home, while having 'emergency coverage' on the road.
for folks with great coverage by a large employer, there is usually SHOCK when shopping what they can afford post employment.
the whole process is tedious, time consuming and very scary...
so most avoid it.
look a little each day, make notes, decide what coverage is important (meds, copays, ob, dental) and what is really essential.
have the providers mail you packets (remember your contact person is in sales) and compare.
YES read the footnotes and fine print too.
share some of the risk and CUT your risk factors.
old age is no picnic but it beats the alternatives...
sorry no help with the lottery, but i've been told if you don't play, you can't win....