I was denied because i have cobra which is very exp kids too young to work 24 hr to get insurance. Had to call over and over again to finally heard after 4 months I am a hardship case and they can't help me. I can not get reglar coverage thru a broker because of my bi-polar. Corba cost me too much and I can't affordit. It will run out in June 2009. I am not happy with Charter Oaks promises