Re-posted on 5/1/19

What Are Pre-existing Conditions?

This refers to any healthcare issues you had prior to your health insurance plan’s effective date. Many policies will refuse to cover pre-existing conditions, while others do so only for a short time.

UPDATE: Health Insurance Pre-existing Conditions

Insurance can no longer discriminate based on pre-existing conditions.  Some factors that may affect your premium is if you smoke, your age, the number of family members you are covering, and your income.  But factors affecting your health will no longer cause your premium to go up in price.

After 1/1/2014 you can no longer be turned down for having pre-existing conditions.  There will not be annual or lifetime limits on the 10 Essential Health BenefitsIt no longer matters what medications you are on, your height or weight, how old you are, how young you are, your gender, what pre-existing conditions you have, if you are pregnant now, if you’ve had a ton of medical bills in the past, genetic information or disabilities.  Nothing matters.  You qualify.  You cannot be turned down for health issues.  Insurance can no longer discriminate based on pre-existing conditions.

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