In general, health insurance in Florida decline applications for people with pre-eisting health condition especially the ones who are considered as risk factors for a major disease.  Usually for some insurance companies, having a cholesterol problem is an automatic denial regardless of whether it is being treated or not since this is considered as a risk factor for a heart disease.  Moreover, for those health insurance companies in Florida that permit pre-eisting conditions would only offer some sort of a benefit discount that ranges from 25% to 50% for that particular health condition. You may consider hiring the assistance of a reputable Health Insurance Broker in negotiating for a best deal of health insurance in Florida. You may also include a prescription rider in your husband's policy especially for his condition. Prescription coverage in his health insurance is very important since this is a precautionary measure in case of an emergency. - June 3, 2009 @ 3:16 pm