Where To Get Health Insurance With A Preexisting Condition? 
Starting January 1 , 2014 you can not be denied coverage or charged more for health insurance on individual plans purchased either off or on the government 's Marketplace Exchange . If you are eligible for Medicaid or CHIP , those programs can not refuse you either with a pre-existing condition . Open enrollment is now going on for these plans . The only exception is grandfathered health care plans that you purchase yourself , not through an employer . These plans must have been purchased on or before March 23,2010 and not have changed or reduced their benefits to the insured to be considered grandfathered plans . 