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Have a pre-existing condition? Your health coverage isn't affected

Published on August 9, 2018

Did you know all Marketplace plans must cover treatment for
pre-existing medical conditions
, like asthma, diabetes, and cancer?
Image: {Stethoscope, first aid kit, heart health"}

What’s a pre-existing condition?

  • A pre-existing condition is a health problem you had before the date that your new health coverage starts.
  • Pre-existing conditions include epilepsy, cancer, diabetes, lupus, sleep apnea, and many more.

Can a health insurance company deny me or charge me more for my pre-existing condition?

  • No. An insurance company can’t deny you, charge you more, or refuse to pay for essential health benefits because of any condition you had before your coverage started.
  • Also, Marketplace plans can't put annual or lifetime limits on your coverage.
  • Learn more about coverage for pre-existing conditions.

Is pregnancy treated as a pre-existing condition?

  • Yes. If you were pregnant before you applied, your insurance plan can't reject you or charge you more because of your pregnancy.
  • Once you're enrolled, your pregnancy and childbirth are covered from the day your plan starts.
  • Get more information on coverage for pregnancy and childbirth.
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