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What you need to know about existing states and marketplace coverage


published to August 9, 2018

All Marketplace plans are

like asthma, diabetes, cancer?

What are pre-existing conditions?

  • A pre-existing condition is a health problem that existed prior to the start date of your new health coverage.
  • Pre-existing conditions include epilepsy, cancer, diabetes, lupus, sleep apnea, and more.

Can my health insurance company deny me or charge me more because of my pre-existing condition?

  • No. Insurance companies cannot deny enrollment, charge additional fees, or refuse to pay basic health insurance because of pre-coverage conditions.
  • Additionally, Marketplace plans do not allow annual or lifetime limits on coverage.
  • Click here for details Compensation for existing conditions.

Is pregnancy treated as an existing condition?

  • yes. If you are pregnant prior to your application, we cannot refuse your enrollment or charge an additional fee based on your pregnancy.
  • When you enroll, pregnancy and childbirth will be covered from the date of enrollment.
  • Learn more about Coverage during pregnancy and childbirth.



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