Person With a Disability  People with disabilities may have difficulty obtaining health coverage because carriers usually evaluate an applicant's health status when issuing many types of policies. However, a carrier may never legally evaluate your disability as a condition of joining any employer sponsored health plan. Nor may a carrier decline to issue coverage or charge you a higher rate for any type of covearage unless the company can show your disability increases your risk of having a claim. Know your rights Seek coverage through your employer Locate other group coverage Identify government-sponsored programs Buy an individual policy Find low-cost health services in your area Back to Finding Insurance That Is Right for You