HIV+ laid off continuing my insurance coverage via COBRA…

I was laid off 8 months ago, but I'm continuing my insurance coverage via COBRA. I am HIV+ but healthy and asymptomatic for 22+ years. Ecept for my medications (which are VERY epensive...probably close to $24,000 per year if I had to pay for them out of my own pocket), I really don't have many health epenses ( 2 or 3 office visits per year). I was recently offered a sales position with an insurance company which provide benefit packages for businesses (including group and individual plans). If I accept the position, I will be a 1099 Independent Contractor and will have to purchase my own insurance. I have always been covered by a group policy through my previous employers. My concern is whether I will be able to obtain coverage on my own considering my health issue, and if so, what should I epect to pay? Someone advised me that a low premium/high deductible policy combined with a \gap\' policy to cover the deductibles and copays and medication would be the best option. I've never heard of a gap policy for a regular medical plan. Do they eist? What would you advise? I live in N.C. if that has any impact on your answer. Thanks!'