I am in a bit of a pickle. Hoping for any constructive advice on the matter. I severely injured my knee 9 months ago while living in MN. I saw a knee specialist, he said with the proper rest and physical therapy it would get better. In May my health insurance ran out and have been without in due to financial reasons. In July I relocated to West LA. Unfortunently the knee has not gotten better and needs more medical attention. This is clearly going to be very expensive (which is a bummer, but a reality I am facing). I am hoping for some recommendations on how best to handle seeking additional care. I know that the cheaper health care packages arent going to chime in till after $5,000 in bills, and probably wont cover a pre-existing injury. What are my options health insurance wise that could benefit me in anyway? Also, if I bite the bullet and pay to see a specialist without insurance, what options / clinics would you recommend seeing that wont be top dollar. I feel like I really only I have 3 options here. 1. Sign up for health insurance first, just to have it for the future even though my pre existing injury will not be covered, and take on the costs of seeing a knee specialist on my own. 2. Not sign up for health insurance, and use the money for the costs of seeing a knee specialist, even though it will add up very quickly. 3. Sign up for health insurance and get lucky that they will cover my pre-existing injury. Does anyone have any recommendations to companies or plans that might have this loophole? Thanks again for helping my naive self get through this confusing / painful situation.