ACA

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

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?

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.

Exception: grandfathered plans don’t have to cover pre-existing conditions

Grandfathered plans don’t have to cover pre-existing conditions or preventive care. If you have a grandfathered plan

and want pre-existing conditions covered, you have 2 options:

You can switch to a Marketplace plan that will cover them during Open Enrollment.
You can buy a Marketplace plan outside Open Enrollment when your grandfathered plan year ends, and you’ll qualify for a Special Enrollment Period.