The Affordable Care Act (ACA) and Your Pre-Existing Conditions: Exploring Your Options
The Affordable Care Act (ACA) is a law that was passed in 2010. It has made it easier and more affordable for people to get health insurance. One of the most important things that the ACA did was to prohibit health insurance companies from denying coverage to people with pre-existing conditions. This means that you can’t be denied coverage or charged more for coverage because of a health condition that you have.
What is a pre-existing condition?
A pre-existing condition is any health condition that you had before you applied for health insurance coverage. This could include anything from asthma to cancer.
How does the ACA protect people with pre-existing conditions?
The ACA prohibits health insurance companies from:
Denying coverage to people with pre-existing conditions
Charging more for coverage to people with pre-existing conditions
Putting annual or lifetime limits on coverage for people with pre-existing conditions
What if I have a pre-existing condition and I need health insurance?
If you have a pre-existing condition and you need health insurance, you can apply for coverage through the Health Insurance Marketplace. The Health Insurance Marketplace is a website where you can compare health insurance plans and choose the best plan for you.
How can I enroll in the Health Insurance Marketplace?
You can enroll in the Health Insurance Marketplace by visiting Healthcare.gov. You can also call the Marketplace at 1-800-318-2596.
What if I can’t afford health insurance?
If you can’t afford health insurance, you may be eligible for financial assistance from the government. Financial assistance can help you lower the cost of your health insurance premiums.
What if I have questions about the ACA?
If you have questions about the ACA, you can visit Healthcare.gov or call the Marketplace at 1-800-318-2596.
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