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.