You may have pre-existing health conditions that meant the insurance company you applied to declined to insure you. You didn’t know where to turn next, figuring you were totally out of luck. Well, you’re not totally out of luck.
Shop around, because the simple truth of the matter is that various insurance companies underwrite for different things at different rates. What one company may not accept, another company will okay but with certain qualifications. For instance, let’s say you have high cholesterol and one company won’t insure you because they feel it is too high. The next company might say they’ll take you at a slightly higher rate so long as you can demonstrate you are taking medications to reduce the problem.