Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Under the affordable care act, beginning in 2014, health plans are, in short, guaranteed issue (when you apply during the annual open enrollment period or if you apply under a qualifying special enrollment period). You cannot be denied coverage for any pre-existing conditions or other health-related issues and you do not have to take an exam to secure coverage.
So to answer your question...yes. You can get health insurance without taking a physical. If you're applying for another type of coverage such as life insurance or disability insurance, you would have to take a medical exam.
I hope the information is helpful - please feel free to contact me for help and if you have any other questions. Thanks very much.
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So to answer your question...yes. You can get health insurance without taking a physical. If you're applying for another type of coverage such as life insurance or disability insurance, you would have to take a medical exam.
I hope the information is helpful - please feel free to contact me for help and if you have any other questions. Thanks very much.