Can Health Insurance Companies Still Deny Coverage? 
Health insurance companies can not deny coverage for pre-existing conditions unless you have a private policy that was purchased before 3-23-2010 or a group plan that was created before 3-23-2010 . If your plan is grandfathered due to being in effect before that date , and if you are denied health insurance , you can switch to a Marketplace plan during open enrollment . Open enrollment ends 3-31-2014 for this year . 