Is There A Drug Test For Health Insurance? 
NO . Unlike when you may apply for some levels of life insurance there is no physical exam or drug test that is administered in order to qualify for health insurance . With the latest round of implementation of the Affordable Care Act -LRB- ObamaCare -RRB- effective January 1 , 2014 , all major medical policies are guaranteed to be issued and can not apply any pre-existing condition exclusions or waiting periods . Your use of tobacco products can be asked about and the law does allow for a rate adjustment for tobacco usage . However , this does not extend to the use of drugs such a Marijuana for instance . 