How does health care reform affect coverage of pre-existing conditions?
Who is this for?
If you were denied health coverage in the past because you were sick or had a medical condition, this explains why health insurance companies can no longer do that.
If you're sick or dealing with an ongoing condition like diabetes, that's when you need health coverage the most. But what if you didn't have health coverage and tried to get it because you'd become ill? Or you wanted to change insurance companies? You could have been turned down because you had what's called a pre-existing condition.
Even before health care reform, we provided health coverage to anyone. It didn't matter if you had a pre-existing condition. Thanks to the Affordable Care Act, all insurers must do the same. You can't be denied coverage based on your health. The law also prevents insurers from charging you more because of your health.