What pre-existing conditions mean to your insurance coverage


Published on August 10, 2017

Did you know that no insurance plan can reject you, charge you more, or refuse to pay for

for 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.

Learn more about pre-existing condition coverage.



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