I don't know for sure but my guess is that no insurance company would cover someone diagnosed with lupus on an individual plan. Group plans would take you.
If you are 65 medicare will cover you. Otherwise, most states have insurance pools that will cover you but they are very expensive. In Illinois it was $1200 per month per person with big deductibles when I looked a few years ago.
You might find an insurance company that would cover you but excludes lupus.
This is an example of how screwed up our healthcare system is and how easy it is to fall between the cracks. 50 million have done so in recent years. I almost did after working for 3 companies that went out of business. When COBRA expired I had a difficult time but ultimately found insurance. about a year later I was hit with MCTD and had enormous bills after 3 months in hospitals and countless tests and procedures. I was so lucky.
Today I am on medicare and don't have to worry but I know so many younger people who have been caught and cannot get or afford individual insurance.
Mixed connective tissue disease (systemic lupus, scleroderma, polymyositis), Raynauds phenomena, Hypertension, Barrett's esophagus.
Meds: prednisone 5mg, 50mg imuran, Lotrel 40/5mg, maxide 37.5/25mg, folic acid, potassium, aciphex 20mg, multi vitamins.
Maintain your optimism and you can beat the odds.
"Although the world is full of suffering, it is also full of the overcoming of it." Helen Keller