I've been out of work for some time and have been building my own business, which is actually going fairly well.
My COBRA benefits were up, so I went looking for an individual plan here in Oregon.
I am 51 with absolutely no pre-existing conditions. I have been healthy all my life and I ride a bike 4-5 days a week.
4 years ago, my wife ran off with another guy. The divorce took its toll both financially and emotionally...and then I lost my job. I had a bout with anxiety for which I took meds for 2 months. Yes, 2 months. Things have been fine ever since.
But, because of that, I am being declined coverage from a reputable provider. I guess I will now need to apply to a bunch in order to (hopefully) find one.