Yes. Under the Affordable Care Act (ACA), health insurance companies cannot deny you coverage or charge you more because of a pre-existing condition. This rule applies to all Marketplace plans and most individual and employer-based plans. HealthSherpa applications will not ask questions about pre-existing conditions during the application process.
What counts as a pre-existing condition?
Any health issue you had before your coverage starts, such as asthma, diabetes, cancer, pregnancy, or mental health conditions.
What Marketplace plans must cover
Marketplace plans must cover treatment for pre-existing conditions from the day your coverage starts.
Preventive services (like check-ups, vaccines, and screenings) are covered with no cost to you, even if you already have a condition.
You cannot be charged more or have benefits limited just because of your health history.
Pregnancy is always covered, even if you were pregnant before applying.
Quick tip
Only ACA-compliant plans are available through HealthSherpa.