Eligibility requirements for health insurance can vary and will depend on the health insurance provider that you approach. Unfortunately, there could be times when you are refused coverage and this can come as a big jolt. However, that does not mean you have to go through the rest of your life without health insurance coverage. Most states now offer health insurance pools and this might be your only alternative for health insurance.

There are several reasons for refused coverage, even though it is illegal in some states for health insurance companies to deny coverage. Some of the most common reasons for refusal of coverage are, if you have a history of some specific medical problems, pre-existing conditions and so on. When you apply for health insurance, the insurance company will check your medical history and if they consider you to be a high health insurance risk, they could refuse coverage.

Pre-existing conditions is one of the most common reasons for refused health insurance coverage. Generally, people with pre-existing conditions such as AIDS, cancer, pregnancy and so on are denied coverage. Since these pre-existing conditions require regular medical treatment and cost insurance providers large sums of money, coverage is often denied. Sometimes, health insurance coverage is denied because of prescription drugs that you took in the past.

Insurance companies look down up on those who take part in activities that could mean they are at a high risk of requiring medical assistance in the future. For example, if you are a regular tobacco user or take part in high-risk adventure sports such as gliding or base jumping, you might be refused coverage. Even if you do manage to find health insurance coverage, the insurance company might refuse to provide coverage for any medical treatment that you receive because of your risky habits.

If you apply for health insurance coverage and are refused coverage by one insurance company, it could mean that other companies will also deny coverage. Insurance companies will usually keep a tab on who is granted health coverage and who is not. A previous denial can make it difficult for you to find health insurance coverage.

If you are refused coverage, one of the first things that you should do is to verify with your state's regulations about health insurance and find out if you can legally be refused coverage. You could also check into a variety of assistance programs that might help you find health insurance. You even have the option of searching the internet for health insurance companies that might be willing to provide health insurance. In the end, all it takes is some determination and some research to find health insurance coverage.