My gut reaction is to be cynical and say, “Stay in the UK.” If your future husband is employed and is fortunate enough to get insurance through his job (no guarantee here), you could get covered under his plan once you are officially married, but not before then.
What is covered under his plan (or any plan) depends on the elements of the plan itself. Some plans have very generous prescription drug coverage and some do not. What he can do is call his insurance company and find out what they would cover. They should be able to tell him this over the phone.
In terms of pre-existing conditions, the Affordable Care Act that was recently passed here will eventually make it illegal to deny coverage because of a pre-existing condition. But for now, health insurance companies (I believe) can still deny coverage. But this usually only applies to private policies (i.e., not the ones you get through your employer) and very small companies. If your future husband works for a large company and has a decent plan, you should be fine once the two of you are married.
In the event that your future husband does not have health insurance through his job, once you are married, you can then go through the process of becoming a U.S. citizen (which takes about 2-3 years I believe). Anyway, only then can you apply for something like Medicaid or be covered under your state’s high-risk insurance pool that was set up to help people with chronic conditions (like diabetes) who are unable to get private plans.
Unfortunately, at this time, health insurance is tied to where you work in the U.S. It’s a HUGE problem. I just saw below that your fiance` has his own business…does he buy his own insurance? How many people does he employee? There are just so many variables that would affect your ability to get covered.
If I were in your position, I would consider two options. Option #1 - Staying in the UK and seeing if he could move there. That way, you stay under the NHS. Option #2 - Move to the U.S, but stock up on all your meds and insulin beforehand. Make sure you have plenty of supplies. You might be able to keep your enrollment within the NHS and go back periodically for check-ups and to get more supplies. I know people who have done that. It’s not impossible. In the event you get really sick and need emergency care, emergency rooms cannot turn you away. Also, many states have clinics and some free services, especially for people with diabetes. You can look into that where you’re moving to and see if there’s anything available in your state.
Finally, if you really must move here, consider looking into various free/subsidized programs through eli lilly and other companies that make D supplies. I think there is a list here on TuDiabetes somewhere that lists the phone numbers of those companies. Call around. They may not even ask about your immigration status and may just inquire as to whether you have insurance or not.
