My insurance was from my previous job and I was on Cobra. This particular plan did not allow for the extended California Cobra extension so the insurance expired. By law the insurance company must give me a proof of insurance letter good for 60 days to find another insurance. They sent me the letter 32 days late and I had 28 days to get another insurance. I tried to get insurance from several companies and although they can not deny you insurance, they can by law review your medical history and increase your premiums up to 71% which puts any insurance policy way out of reach.... but they are not denying you. My husband only has medicare that comes with his social security. His previous job did not offer medical insurance.