Message and data rates may apply.Subscribe to get email (or text) updates with important deadline reminders, useful tips, and other information about your health insurance.Sorry, that email address is invalid.2020 Open Enrollment is over, but you may still be able to enroll in 2020 health insurance through a Special Enrollment Period.Sorry, that mobile phone number is invalid.You need to provide either your email address or mobile phone number. They cannot limit benefits for that condition either. Text HELP for help. Pre-Existing Conditions Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. The term "pre-existing condition" is vague -- and every insurance company has its own lists of "declinable" or "uninsurable." President Donald Trump has long sought, unsuccessfully, to kill the Affordable Care Act, which established an unprecedented level of protection for those with pre-existing conditions. In the context of healthcare in the United States, a pre-existing condition is a medical condition that started before a person's health benefits went into effect. Message frequency varies, but you may receive up to one message per week during Open Enrollment. If you’re pregnant when you apply, an insurance plan can’t reject you or charge you more because of your pregnancy. Email Print. Get Answers Search. Once you have insurance, they can't refuse to cover treatment for your pre-existing condition. AD ... Pre-existing conditions include epilepsy, cancer, diabetes, lupus, sleep apnea, and many more. Once you’re enrolled, your pregnancy and childbirth … 2020 Open Enrollment is over, but you may still be able to enroll in 2020 health insurance through a Special Enrollment Period. All Marketplace plans must cover treatment for pre-existing medical conditions. These exclusions by the insurance industry were meant to cope with adverse selection by potential customers. Some people need to take extra precautions to avoid getting sick from COVID-19, like people at increased risk for severe illness or people in some vulnerable populations. Coronavirus can affect anyone, but people with pre-existing health problems and older people are thought to be at greater risk of developing severe symptoms. To sign up for updates or to access your subscriber preferences, please enter your contact information below.These rules went into effect for plan years beginning on or after January 1, 2014.Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer. Now that youâre signed up, weâll send you deadline reminders, plus tips about how to get enrolled, stay enrolled, and get the most from your health insurance.Text STOP to cancel. McCain’s plan would weaken existing state protections by allowing insurance to be sold across state lines but would also expand high-risk pools to cover patients with preexisting conditions. Before 2014 some insurance policies would not cover expenses due to pre-existing conditions.