Can Get Health Insurance If Have Preexisting Condition?

  1. 5527 POINTS
    Marlin McKelvy
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    Yes. Under the requirements of the Affordable Care Act (ObamaCare) individual and group major medical policies that are ObamaCare compliant cannot have pre-existing condition exclusions, limitations on benefits, or waiting periods for the pre-existing condition to be covered. If someone is offering you a policy that does not comply with these requirements it may be a Short Term Medical policy or an indemnity/discount type plan. While these are legitimate insurance policies (as long as you are informed in advance of what they do and do not do), as a rule they exclude pre-existing conditions and they do not meet the legal requirements under ObamaCare for avoiding the individual mandate tax penalty.
    Answered on November 14, 2014
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