1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Get health insurance with a pre-existing condition easily and quickly. Now that the Affordable Care Act is federal law, individuals and families can purchase very affordable medical coverage with the aid of a new subsidy. You will not be charged a higher premium because of the condition, there will be no waiting period and you will not have to meet a larger deductible.

    So how and where do you buy this coverage? As an experienced, we provide free comparisons of the most affordable options by utilizing our websites and hands-on help. There are no fees that are ever charged.
    Answered on March 27, 2014
  2. 11498 POINTS
    Jason Goldenzweig
    Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
    Under the new Afforable Care Act, each individual health plan is, in short, guaranteed-issue - you cannot be declined for health insurance due to a pre-existing condition or other health-related issue.

    You have the option to secure a bronze, silver, gold, or platinum level plan - please note, not every carrier offers a plan under each level (e.g. company XYZ may only offer bronze, silver, and gold plans, but not platinum plans). Individuals under age 30 also have the option of securing a catastrophic plan.

    If you qualify for a subsidy, you would want to look into plans ON the health insurance exchanges. If you don't qualify for one, you may want to look into plans OFF the exchanges as you will generally have more options available to you.

    I highly recommend working with an independent insurance agent/broker as they can help clarify the details under each plan from multiple carriers and guide you through the process of securing a health plan that will best serve your needs (and in today's world...stay within your budget). If you would like assistance with your health insurance, send me a private message. You can also run instant quotes or review additional health insurance information on my website, TermInsuranceBrokers.com.
    Answered on March 27, 2014
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