Help! Need fast temp health insurance in NY State and have no address anymore

Hi, all:

I'm finding myself in quite a predicament regarding health insurance, and after researching all week long only to end up in a really frustrating conversation over the phone, I didn't know where else to turn.

I was living in NYC up until the end of October. My settlement visa was refused, and so I came to London to visit my wife for the four and a half months until we would qualify financially. To do that, I gave up my job, and purchased travel insurance in connection with my flight booked via STA so I could allow the health insurance through my job to lapse.

Now, I am about to head back to NYC to reapply for my visa, and expect to be there around a month. During this time, I need some sort of health coverage. Granted, I'm healthy and rarely get sick, but I just know the minute I'm not covered, something will happen and our savings will be wiped out.

The problem I'm running up against has several layers. 1) I've no longer got a valid address in NYC, even though I still have a valid ID. I would have to provide proof of address via bills and ID, but no longer live at that address and would hate to risk something like insurance fraud. 2) New York State doesn't allow for short term insurance. 3) I need coverage from March 4 on, so even if I did use the address I used to have, I still wouldn't be covered until March 15th, or in some cases, April 1 (which is too late).

I already asked the STA I booked with in NYC if I could extend my travel insurance, but they said it wouldn't get within my home country. They suggested talking to the STA here. The STA here said that, even though my name is on my lease from September, I have to have lived in London six months to be covered.

I'm at a loss. Has anyone else come up against this sort of thing? Are there any travel insurance companies here in the UK that would cover me going back to NYC for one month?

Any tips you have would be super helpful.

Thanks,
KG

Where are you living while you apply for a visa? You must have some kind of address there? Also, FWIW, when I applied for Obamacare, I wasn't really asked for any proof of address, they just verified my identity. Insurance through the NY Obamacare website (and then canceling it due to your move) would have been a good option if you had applied for coverage a little earlier in February (by the 15th, I think) but now you wouldn't be covered in time.

I know that your wife has been in school so there's a chance you are relatively young--are you under 26? If you are, you can get back onto your parents' group health insurance, no matter where they live in the US.

I'm 32. I ended up buying traveler's insurance through World Nomad using one of my parent's addresses. It was inexpensive, and easy once I'd thought of the right combination of address and insurance:)