Don't worry: Marketplace insurance covers pre-existing conditions

Published on August 10, 2017

Did you know that no insurance plan can reject you, charge you more, or refuse to pay for
essential health benefits
for a pre-existing condition?
Image: {What's a pre-existing condition}Image: {What's a pre-existing condition}

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.
  • Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.

Is my health coverage affected by my pre-existing condition?

  • No. Treatment for any pre-existing medical condition is covered from the day your coverage began.
  • Once you’re enrolled, your plan can’t deny you coverage or raise your rates based only on your health.
  • Marketplace plans can't put annual or lifetime limits on your coverage.

What if I'm pregnant?

  • 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.