Who Offers Health Insurance To People With Cystic Fibrosis? 
After January 1 , 2014 under the requirements of the Affordable Care Act , every major medical insurance carrier will have cover a person with Cystic Fibrosis . Pre-existing conditions can no longer be excluded from coverage , be subject to a waiting period for being covered or be grounds for a person to be declined for coverage . As I always caution any person suffering from a chronic medical condition , just because you now can not be denied coverage does not mean that all insurance plans out there are equal . You should seek the guidance of an experienced health insurance broker who can help you determine which plans have the doctors , hospitals and/or treatment centers that best fit your needs . And crucially for a person with Cystic Fibrosis , determine what medications are covered in a insurance carriers prescription formulary , at what tier level they are covered under and whether you will be required to go through a step therapy process to get access to the medication you may already be using . It is not safe to assume that your existing treatment pattern will continue unchanged with a new insurance carrier , especially in some of the health plans offered through the government health insurance marketplaces . Doing your homework up front can possibly save you a lot of stress , aggravation and expense on the back end if you make a poor choice . 