Insurance That Covers
Pre Existing Conditions

Health Insurance Pre Existing Conditions with No Waiting Period

Annual and short term health insurance that covers pre existing conditions is available under various ACA plans. Hence, if you had got enrolled for healthcare benefits with PCIP or Pre existing Condition Insurance Program previously, you have the option to switch over to a new health insurance plan outside of PCIP. To know more about your options, contact us online today!

All ACA compliant health insurance plans for pre existing medical conditions are meant to benefit people with lower incomes. Qualified buyers are entitled to secure government subsidies for healthcare coverage for individual as well as family members. These policies can be purchased at marketplace or by buying Medicaid or CHIP coverage.

Besides, if you or your family member(s) already has some pre existing medical condition, our experts will provide advice about what is best for you. Such a proposition may enable you to buy a health insurance plan that grants complete financial protection. Use our specialist help online to receive the best health insurance that accepts pre existing conditions. To get started, just enter your state’s zip code.

Get Affordable Health Insurance With Pre Existing Conditions

  • Step 1

    Full health insurance coverage

    All pre existing medical conditions are covered right from the start of the healthcare insurance policy.

  • Step 2

    Coverage for pre existing conditions

    Some insurers may agree to provide healthcare coverage for pre existing medical conditions after specified period.

  • Step 3

    Pay more for pre existing conditions

    It is possible to get pre existing health conditions covered by agreeing to pay higher premium.

  • Step 4

    Coverage through group policies

    Pre existing medical conditions of individual members covered under group health insurance plans do not matter.

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Cheap Health Insurance that Covers Pre Existing Conditions

health insurance for people with pre existing conditions

If you are working with an organization that provides group health insurance coverage then existing medical conditions may not be a cause of worry as they will be automatically covered. All healthcare insurance plans under ACA are required to cover pre existing conditions whether they are for individuals or groups. You only need to worry about premium, deductible and out-of-pocket expenses.

And still, if you are facing troubles to get enrolled for health insurance pre existing conditions, you can always consider Medicaid provided it covers pre existing medical conditions. People over the age of 65 and persons with qualifying disabilities could be eligible for healthcare benefits with Medicaid. However, it could be vital for applicants to choose the right option for getting total financial protection.

health insurance that covers pre existing conditions
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3 Useful Tips To Buy Health Insurance For Pre Existing Medical Conditions

    While researching various options on health insurance for someone with pre existing conditions, it is important that you take the below mentioned aspects into consideration.

  • Check whether your preferred doctors are part of the health insurance policy’s network. If that is not the case, you may have to visit other in-network doctors and pay their fees from your wallet.
  • You can purchase two separate health insurance plans – one for your spouse and one for yourself. Such a move might enable you to negotiate better deals for your family.
  • Always look for plans that best fit your family’s specific healthcare needs. This is advisable when you or some family member has some pre existing medical conditions. And you surely don’t need to buy any add-ons as they will increase healthcare coverage costs.

Some states may allow you to enrol only if you give proof for qualifying event and are meeting the basic requirements.

Health Insurance Plans For Pre Existing Conditions In 4 Easy Steps

Certain pre existing health insurance plan can make buyers eligible for qualifying events and hence, enrol for benefits.

Frequently Asked Questions

Blood pressure, diabetes, anxiety, depression, sleep apnea, asthma, obesity, clogged arteries, COPD and cancer are some of the most commonly known pre existing medical conditions among health insurance policy buyers. Besides, eating disorders, arthritis, cerebral palsy, strokes, epilepsy, Alzeimer’s or Parkinson’s disease, etc. may also be classified as pre existing conditions by insurers.

Yes. Pregnancy will be considered as a pre existing medical condition if you are pregnant at the time of applying. But insurers will not deny or charge more coverage just because you are pregnant. The coverage will begin right from day1.

As per changes effected to the Affordable Care Act in 2010, insurers cannot deny or charge higher premiums for providing health insurance for people with pre existing conditions. You only must be enrolled for a plan since 2010.

No. There won’t be any waiting period for even pre existing medical conditions in health insurance plans. But while exploring options on health insurance pre existing conditions no waiting period plans, it could be advisable to select a plan which best fits your specific healthcare coverage needs as well as requirements.

Ever since 2014, health insurance plans cannot be charged more although buyers or their family members may have some pre existing medical conditions. Nevertheless, insurers can make some adjustments based on the type of plan chosen, buyer’s age and residential neighbourhood.

Know more about health insurance terms

  • Co-insurance

    The term “co-insurance” refers to the percentage of permissible charges for all healthcare insurance services covered under a policy. These expenses have to be borne by the buyer.

  • Co-payment

    The term “co-payment” refers to a flat monetary amount which a buyer is needed to pay for expenses related to certain specified category of medications or medical services.

  • Annual Deductible

    The term “Annual Deductible” refers to the amount of money which buyers has to pay in advance for settling claims before the coverage actually begins.

  • ACA

    The Affordable Care Act (ACA) is a law passed by federal government in the year 2010 for the sole purpose of reforming the healthcare insurance system in America. The ACA aims to make health insurance coverage affordable as well as easily accessible to all Americans.

  • Annual Limit

    Health insurance plans have certain restrictions on coverage limits for some specified treatments or healthcare services or even all medical benefits during the time period for which policy is effective.

  • Cost-Sharing Reduction (CSR)

    It refers to a discount which reduces out-of-pocket expenses for deductibles, co-payments and co-insurance. To qualify for the discount, buyer you must have an income within prescribed levels under ACA so that one is eligible for a silver category health insurance plan.

  • Dependent

    The term “Dependent”, refers to child, spouse, parents, relative or any other person to be covered under family health policy. As per IRS rules and regulations premiums for policies purchased under ACA are eligible for tax credit benefits.


    COBRA (Consolidated Omnibus Budget Reconciliation Act) enables you to get covered by paying 100% premium including the employer’s share over and above some nominal administrative fees.

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