What Is Guaranteed Health Insurance? 
Guaranteed health insurance means that you could not be declined for coverage due to any pre-existing medical conditions or other health-related issues . Under the Affordable Care Act , insurance companies can no longer decline you for medical reasons - meaning every health insurance policy is guaranteed issue for health-related reasons . You must still pay your premiums as your normally would . Prior to the ACA , insurance companies could medically underwrite you and charge you a higher rate , decline you , or have a pre-existing condition waiting period if you had a certain medical history . 