I don't know what state you are in but many states have mandatory plans you qualify for if not for a "regular" plan. That's what I'm in because I'm not working and am obese and no one will issue me a private plan.

I don't know how much research you did before looking at actual plans online but I'd go to your State's Insurance page first and see how your state does things and what they suggest. The "guaranteed" plans they can't turn you down for.

This one's good on public medical records too: http://www.privacyrights.org/fs/fs8-med.htm

Basically, you pay insurance bills, use credit cards, etc. and none of that is covered by HIPPA; there's a lot of information out there they can get.