Everyone Can Get Covered
Pre-existing condition, no need to worry
Under the Affordable Care Act a person purchasing insurance on the marketplace cannot be turned down for coverage because of chronic disease, pregnancy or other health conditions.
Health insurance companies can’t deny you coverage or charge you more because of a preexisting condition, and they can no longer charge men and women different rates. In addition, all health plans on the exchange must cover basic care such as doctor and hospital visits, maternity and newborn care, prescription drugs, emergency room visits and lab tests. Plans will also cover certain preventive screenings such as mammograms and colonoscopies. See a list of essential health benefits.
When applying for health coverage on the exchange, you will not be asked to provide your health history, other than whether you use tobacco. It will be a requirement to disclose tobacco use or if you are currently pregnant. You will be able to select a plan based on preferred medical provider, deductible or premium amount. Medical plans that include dental benefits will be available or you may choose medical and dental plans separately.