Do Health Insurance Companies Drug Test? 
No . Health insurance companies do no conduct any physical/medical exams in order to obtain health insurance . The health care reform law -LRB- ObamaCare -RRB- now requires that health insurance plans be guaranteed to be issued and that they ca n't have pre-existing condition exclusions , waiting periods or limitations . In the individual health insurance market and in some group insurance situations you may be asked about tobacco consumption as this is the one vice that ObamaCare allows a rate risk adjustment for . In the employment environment , drug testing may be a condition of pre-employment screening and/or employment but it is not a health insurance coverage requirement . 