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Pre-Existing Conditions








  
  
    

  
      



Health insurance companies cannot refuse coverage or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either. Once you have insurance, they can't refuse to cover treatment for your pre-existing condition.

Exceptions

“Grandfathered” health plans do not have to cover pre-existing conditions.**Need health insurance?**

Find affordable health care and compare plans at Healthcare.gov.

                    
  


Content created by Assistant Secretary for Public Affairs (ASPA) Content last reviewed March 17, 2022 Back to top
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