Automatic Denial of Health Insurance

I used to have Blue Cross Blue Shield around 2004 and developed some seemingly 'minor' health problems. I decided not to pay for the Cobra Health Insurance plan and was uninsured from 2004 - 2006. I thought I was young and in great health. After 2006 I ended up on Govt Health Insurance, because I was making very little money. I did some traveling and random work till 2008. Now that I am working again and making about $1500/month I don't qualify for Govt Health Insurance (you need to make less than $800/month to get AHCCSS). I wanted to get my own private insurance through Blue Cross or Cigna and I was told by them and everyone else that I called that I was automatically denied coverage because of my condition and the medication I take. I was shocked, because I get my medication free from the Govt for life. My medical condition would obviously be uncovered for the first few years by the insurance provider, but I couldn't believe it. It appears that I don't have any access to Health Insurance being self employed. I love my current job, because I have extreme flexibility and can sleep practically any time I want. I get tired on my medication. I sleep 12+ hours per day. Stress causes my condition to get worse, so this low-stress job is great. I feel like I am being punished for working. If I truly can't obtain Health Care I also don't see any other option than Bankruptcy if I do happen to become ill in the future. Sure I can try to get a real job with real group Health Insurance coverage, but for the time being I don't know how that is going to work. I am well educated, but consider all this stuff difficult to wrap my head around. What do other less sophisticated people do?

I was diagnosed as Bipolar in 2004, but didn't really completely trust the diagnosis was accurate. Now that it is 2008 and I have studied all the science materials I am convinced I am bipolar. I kept asking the companies why they wouldn't cover me. What if I paid you $10,000 per month in premiums? They said they automatically deny bipolars, because of the high suicide rate. I said: "What do you care if I kill myself? You get to keep my premiums and don't have to take care of me in my old age!". They said that most Bipolars fail at their suicide attempts and they don't want to pay for the aftermath. Other than that my medication Lamictal costs $300 a month. But like I said I get that for free. Anyway I am in the process of trying to figure out what my options are.

I am working and I don't have that much time to research all this garbage. It doesn't help when you get hit by a drunk driver while you are working either. I was a Republican since I could vote, but now I am definitely considering voting Democrat. I figure if the Govt is busy paying for our Health Insurance, they might not be able to budget in senseless wars or projects like Guantanamo Bay.