The National Directory of Certified Public Accountants

Ask A CPA - Affordable Care Act - Individuals

Can I Be Refused Medical Insurance If I Have A Pre Existing Condition?

No. Starting in 2014, health insurance plans can't refuse to cover you or charge you more just because you have a pre-existing health condition. Starting in 2014, being sick won't keep you from getting health coverage. An insurance company can't turn you down or charge you more because of your condition. Once you have insurance, the plan can't refuse to cover treatment for pre-existing conditions. Coverage for your pre-existing conditions begins immediately. This is true even if you have been turned down or refused coverage due to a pre-existing condition in the past. The only exception is for grandfathered individual health insurance plans -- the kind you buy yourself, not through an employer. They do not have to cover pre-existing conditions. If you have one of these plans you can switch to a Marketplace plan during open enrollment and immediately get coverage for your pre-existing conditions.

If you need professional help with "Affordable Care Act - Individuals" or have other tax questions, we can help you find a local licensed CPA for a free, no-obligation consultation.