Starting ACA Insurance Enrollment with a Pre-Existing Condition

As we age and become more susceptible to injuries and illnesses, it is more important than ever to have health insurance. In the United States, the Affordable Care Act (ACA) provides access to affordable health insurance plans for people of all ages and income levels. If you are uninsured, you may be wondering how to get started with ACA enrollment, especially if you have a pre-existing condition.

ACA Open Enrollment and Income Levels

Open enrollment for ACA health insurance plans runs from November 1st to January 15th each year. During this time, you can shop for plans and compare costs to find the one that best meets your needs and budget. When you apply for an ACA plan, you will need to provide information about your income and household size. This information will be used to determine your eligibility for premium subsidies, which can help reduce the cost of your monthly premiums.

Pre-Existing Conditions and ACA Insurance

One of the most important things to know about ACA health insurance is that it prohibits insurers from denying coverage or charging higher premiums based on pre-existing conditions. This means that if you have a pre-existing condition, such as a fractured hip, you can still get health insurance through the ACA. However, it is important to note that pre-existing conditions may affect the type of plan you are able to get and the benefits that are covered.

Paying for Medical Expenses Before ACA Coverage Begins

If you are currently uninsured and have a fractured hip, you will likely need to pay for your medical expenses out of pocket until your ACA coverage begins. This can be a significant financial burden, but there are some options available to help reduce the cost. One option is to apply for Medicaid, which is a government program that provides health insurance to low-income individuals and families. Another option is to negotiate a payment plan with your healthcare provider.

Long-Term Care Planning

If you are over the age of 60, it is important to start thinking about long-term care planning. Long-term care is the type of care that you may need if you are unable to care for yourself due to an injury, illness, or disability. Long-term care can be very expensive, so it is important to plan for it in advance. There are a number of different ways to pay for long-term care, such as long-term care insurance, life insurance, or annuities.


If you are uninsured and have a pre-existing condition, don’t wait until open enrollment to get health insurance. There are resources available to help you find affordable coverage and pay for your medical expenses. Don’t let a lack of health insurance put your health and financial stability at risk.

If you need help finding affordable health insurance or want to learn more about your options, please contact a licensed insurance agent.

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