health insurance for people with pre-existing conditions
ACA marketplace health insurance is required by law to cover pre-existing conditions. Insurers cannot deny coverage, charge higher premiums, or exclude benefits based on pre-existing conditions. This ...
health insurance for people with pre-existing conditions
ACA marketplace health insurance is required by law to cover pre-existing conditions. Insurers cannot deny coverage, charge higher premiums, or exclude benefits based on pre-existing conditions. This protection applies to all ACA-compliant plans. Short-term health insurance does NOT cover pre-existing conditions.
What You Need to Know
- ACA marketplace plans must cover pre-existing conditions — required by law
- Cannot be denied coverage or charged higher premiums based on health history
- Short-term health insurance does NOT cover pre-existing conditions
- Medicaid also covers pre-existing conditions with no premium surcharge
- An independent agent can help you find the best ACA plan for your specific conditions
The Patriot Plans Difference
Patriot Plans is 100% independent. We work for you — not the insurance companies. When you have a health condition, finding the right carrier is critical. Different carriers have very different underwriting guidelines for the same condition. An independent agent who knows the market can often find coverage that a direct-to-carrier application would miss. We've helped 400,000+ families find the right coverage — including thousands with pre-existing conditions.
Ready to Find the Right Coverage?
Patriot Plans is 100% independent. We compare plans from vetted carriers and find the one most likely to offer you the best rate for your specific situation.