The ACA: Preserving Benefits Despite Pre-existing Conditions

Today, we’re going to talk about pre-existing conditions with the ACA. The ACA, also known as the Affordable Care Act, also known as Obamacare, includes a provision commonly referred to as the Pre-existing Condition Clause. This provision played a significant role in the ACA, and aims to address a long-standing issue in the health insurance market.

Prior to the ACA, individuals with pre-existing conditions often faced difficulties obtaining health insurance. Insurance companies could deny coverage or charge significantly higher premiums based on an individual’s medical history. This left many individuals with chronic illness or prior health problems without affordable health insurance options, effectively locking them out of the market.

But because of the Affordable Care Act, insurance companies are required to offer coverage to all individuals, regardless of their pre-existing conditions. This means that insurance companies cannot charge higher premiums or deny coverage to individuals based on their health status or medical history.

Do You Have a Pre-existing Condition?


If you have pre-existing conditions like diabetes, cancer, or heart disease, just to name a few, insurance plans are prohibited from denying coverage for treatments related to those pre-existing conditions. This ensures that individuals with such conditions have access to the proper medical care without being denied coverage for the treatments that they need.

This was a major and positive change in the world of insurance. But please note, this does not apply for those covered by Medicare or for those who are insured through an employer.

Need Help Getting Coverage with a Pre-existing Condition?


If you have pre-existing conditions and want to know more about your options, the open enrollment begins November 1st and ends December 15th. This would be a great time to contact our office to discuss your insurance options, please call us at (314) 544-5400.

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