Will Private Health Insurance Cover Pre Existing Conditions? 
Private health insurance covers pre-existing conditions ... most of the time ! I 'll explain : When applying for coverage during Open Enrollment -LRB- assuming it is a qualified Exchange or Off-Exchange plan -RRB- , pre-existing conditions are covered and there will be no waiting period or surcharge applied . As an experienced health insurance broker -LRB- 33 years -RRB- , this issue is often discussed with customers and on our top-ranked websites . However , non-compliant plans , such as short-term policies , do not cover pre-existing conditions . If you miss Open Enrollment , these temporary plans are popular options . 