When our S aged off H’s family plan, we tried to get insurance by filling out online forms but he was rejected because he had mild, well controlled intermittent asthma.
We happened to go to my BCBS and while there we asked if they had anything so he could be covered for a few months. They had an individual plan and offered it on a monthly basis because he had always been covered by BCBS. We paid the monthly premium for Aug thru Dec, until ACA kicked in on 1/1 and he was again covered under the family plan. It was several hundred/month but I had peace of mind because I knew he was covered, “just in case.”