Pre-existing conditions frequently asked questions

I want to buy an individual health insurance policy. Can the insurance company deny me a policy or exclude pre-existing conditions from my coverage?

For plans that start on or after Jan. 1, 2014, they cannot turn you down for insurance due to your health history. They also cannot require a pre-existing condition waiting period for claims.

My employer has a waiting period that must pass before I can enroll in the company’s health plan. What is the maximum waiting period it can impose?

For employer health plans that start on or after Jan. 1, 2014, the waiting period is limited to 90 days.

With health reform, do pre-existing conditions still apply?

No. Group and individual health insurance plans that start/renew on or after Jan. 1, 2014, cannot deny you coverage or your claims because you have a pre-existing health condition.

Updated 09/10/2014

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