While you might not realize this, if you happen to have a co-pay plan thanks to your employer, if you spend too much time running to the doctor and not getting a named diagnosis or brand name medicine, this can affect the rate you pay for health insurance. Why?
It can affect your rates because it establishes a track record of numerous visits and nothing to show for it. While it doesn’t mean you are uninsurable, it does mean you may have higher rates. Ask your health insurance agent about small group health plans instead of individual plans. This may be the right thing for you.