I went down this path myself, the company I was with in California went under and I had ended up consulting, COBRA runs out after 6 mos so I decided to buy some

I went down this path myself, the company I was with in California went under and I had ended up consulting, COBRA runs out after 6 mos so I decided to buy some health insurance and I got denied. The reason being that years previously I had "asked" a consultant about a procedure that I never actually went ahead with and that was in my records which they dug up. I moved back to the UK and now enjoy the wonders of the NHS and this was one of the biggest reasons I left since I really didn't want to lose my house to pay medical bills if I got seriously ill.