1. 11498 POINTS
    Jason Goldenzweig
    Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
    Yes you can. Under the affordable care act, you can no longer be declined for health insurance for any pre-existing conditions or other medical-related issue.  Please note, you can only enroll in a plan during the annual enrollment period and/or you have a qualifying event for a special enrollment period.

    I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any other questions. Thanks very much.
    Answered on July 31, 2014
  2. 5527 POINTS
    Marlin McKelvy
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    Yes, but it is a matter of timing.  You are asking this question at the end of July, 2014.  If you are looking for individual health insurance and you somehow missed the first ObamaCare open enrollment period that ended on March 31st, 2014 then you are probably out of luck until the next open enrollment period beginning on November 15th for an effective date of coverage of January 1, 2015 at the earliest.  As an individual you no longer have the freedom of being able to purchase individual health insurance whenever you feel like it.  That is one of the tradeoffs involved with ObamaCare doing away with medical underwriting, adjusting rates for risk, applying pre-existing condition limitations or exclusions, or denying coverage.

    There are some exceptions to my statement above.  These are called "Change of Life Status Events" with marriage, divorce, having a child, and losing your group health insurance coverage being common examples.

    If you are getting a new job and will be becoming eligible for coverage under your new employer's group health insurance plan then you will become eligible for health insurance coverage at the end of your employer's probationary/waiting period.  That time period can vary from employer to employer and you should be or have been advised by the HR department or business owner as to what that time period is.  Under the terms of the health care reform law your waiting period should be no longer than 90 calendar days from your date of hire.
    Answered on July 31, 2014
  3. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    Yes, absolutely. Under the current Federal law known as the Affordable Care Act, pre existing conditions are no longer an impediment for obtaining or switching Health Insurance coverage. As was stated by my colleague earlier, however, there is a time element that must be considered. It is important that your application be filed prior to the closing of the annual open enrollment period.
    As an aside, I was diagnosed with Crohn's 15 years ago. Though I have had my ups and downs, things are fairly normal now. My wife and I became actively involved in supporting the Crohn's and Colitis Foundation of America (CCFA) and have found them to be an amazing resource. If you haven;t already, check them out try to hook up with your local chapter. Wishing you well!
    Answered on May 26, 2016
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