Can Overweight People Get Health Insurance? 
Yes , under the provisions of the Affordable Care Act -LRB- ObamaCare -RRB- , major medicalhealth insurance policies issued on or after January 1 , 2014 can not deny a person coverage and must cover any pre-existing health conditions immediately . This applies to both the individual and the group heath insurance markets . Therefore , height/weight tables can no longer be used for underwriting a policy and a person can not be declined for coverage for being obese . To be clear on this matter , the provisions I have described above apply to individual and group major medical policies . Short Term Medical policies are not subject to the provisions of the Affordable Care Act and these policies often have a screening question regarding the weight of the applicant and in the case of these specialty policies an applicant could be declined for coverage if they are obese . 