Which Health Insurance Accepts Pre-Existing Conditions? 
As of January 1 , 2014 all major medical insurance plans , both individual and group , can no longer have any exclusions , limitations or waiting periods for pre-existing health conditions . So , from that perspective it is not a matter of which health insurance accepts pre-existing conditions . Any health insurance plan in compliance with the Affordable Care Act has to . Now , there are Short Term Major Medical policies and some limited benefit and/or indemnity type policies out there that can still apply underwriting and can limit or exclude pre-existing conditions but these are not major medical health insurance plans that meet the requirements of the Affordable Care Act -LRB- ACA -RRB- . In some instances people are marketing these types of products as a low cost alternative to ACA compliant health insurance plans . They provide you with some degree of financial protection but they will not shield you from the Individual Mandate tax penalty or provide you with comprehensive coverage . If you are offered a policy that does not cover pre-existing conditions that is a red flag that someone is trying to sell you a non-compliant policy - BUYER BEWARE . 