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
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.