Real answers for your healthcare questions
Can I get health insurance if I have a pre existing condition?
Answer
Yes. ACA compliant individual and Marketplace health plans cannot deny you coverage or charge you more because of a pre existing health condition. They also cannot exclude treatment of that condition simply because it existed before your coverage started.
What to Know
This protection applies to ACA compliant plans, but not every product marketed as health coverage follows the same rules. Short term plans, certain limited benefit products, and health sharing arrangements can operate differently.
What to Do Next
When shopping, confirm that the plan is comprehensive ACA compliant coverage if pre existing condition protection matters to you. Also check the provider network and prescription formulary for the doctors and medications involved in your care.
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