A pre-existing condition is a health problem that someone had before starting their new health coverage. Insurance companies are unable to refuse coverage of pre-existing conditions, and they cannot charge someone more because of them or limit the benefits offered for that condition.
Most pre-existing conditions are chronic or long-term, with some examples including:
- Chronic obstructive pulmonary disease (COPD)
With the introduction of the Affordable Care Act (ACA) in 2010, insurance companies can no longer deny coverage or charge differently based on pre-existing conditions. This helps ensure better and more affordable health care for all, regardless of their health conditions.