Can A Person Be Denied Health Insurance For A Pre-Existing Condition? 
Traditional Major Medical ? No ! Group medical ? No ! Short Term medical ? Yes ! Whether on or off-exchange , if you 're purchasing long term major medical health insurance -LSB- post 2014 -RSB- you can not be denied coverage due to pre existing medical conditions . However , many pre existing conditions will still be excluded from benefits , so make sure you are applying for a plan that suits your needs . 