1. 110 POINTS
    Deborah Kittredge
    Agent, American Financial Associates, Inc., North Port, Florida
    Starting January 1, 2014 you cannot be denied coverage or charged more for health insurance on individual plans purchased either off or on the government's Marketplace Exchange. If you are eligible for Medicaid or CHIP, those programs cannot refuse you either with a pre-existing condition. Open enrollment is now going on for these plans.

    The only exception is grandfathered health care plans that you purchase yourself, not through an employer. These plans must have been purchased on or before March 23,2010 and not have changed or reduced their benefits to the insured to be considered grandfathered plans.
    Answered on December 17, 2013
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