Don’t worry: Marketplace insurance covers pre-existing conditions
Did you know that if you have a pre-existing condition, no insurance company can charge you more, deny your coverage, or refuse to pay for critical health benefits?
What does it mean to have a pre-existing condition?
- A pre-existing condition means a health problem that you had prior to the start date of your new health coverage.
- Pre-existing conditions include epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy.
Is my pre-existing condition going to influence my health insurance coverage?
- No, beginning on the first day of coverage, treatment for any pre-existing medical condition is covered.
- Once you’ve enrolled, your insurance company can’t refuse coverage or raise your costs solely because of your health.
- Annual or lifetime coverage limits are not allowed in Marketplace plans.
What if I’m expecting a child?
- If you were pregnant when you applied, your insurance plan could not deny you or charge you more because of it.
- Your pregnancy and deliveries are covered from the day your plan begins once you’ve joined.
Learn more about coverage for pre-existing conditions.
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About the Author: Daniel Greene
I’m Daniel Greene, and I write for InsuranceShopping.com to help U.S. consumers better understand and compare auto, home, health, life, and Medicare coverage. My articles focus on breaking down complex insurance topics, from policy features and premium factors to timely updates on plan changes and enrollment periods. I’ve spent years researching the insurance landscape and consumer protection guidelines, which allows me to provide clear, practical guidance for people navigating major life events or simply looking to lower their costs. My goal is to give you the facts you need to make informed decisions without the industry jargon.
