Does Obamacare Cover Medigap? 
Unfortunately , the Affordable Care Act does not apply to Medigap . If you have a pre-existing condition , you may be denied coverage . If you are not in your initial Open Enrollment period or another Guaranteed Issue situation , you will have to medically qualify for a Medigap Policy . Therefore , it 's best to get a Medigap Policy when you think you do n't need one . Often times people wait until a health condition arises because they think the Affordable Care Act -LRB- Obamacare -RRB- will apply . With that said , each insurance company has unique health questions . One insurance company may deny rheumatoid arthritis while another is okay with it . In other words , do n't assume you will be denied . An independent agent can review your health history and let you know if you can apply for a Medigap policy . 