For Consumers

When health insurers can ask you about your health

Under health reform, health insurance companies can't make you answer health questions to buy health insurance. They also can't require a pre-existing condition waiting period for claims you submit.

However, once you're on a health plan, they can ask you questions to find out if you qualify for one of the following programs:

  • Disease management programs: These help consumers learn how to manage chronic health conditions, such as diabetes, heart disease or depression.
  • Case management programs: These help consumers who have very serious health conditions, such as leukemia, and help cut through the red tape to get the insurance company to properly pay for treatment.

Both of these services are voluntary, so you don't have to answer the questions, and - if you do answer the questions - you don't have to participate in the programs.

Types of insurance that require you to answer health questions

Insurance companies can ask you health questions when buying other types of insurance, such as:

What you need to know if you're a living organ donor or considering becoming one

The Living Donor Act ( prohibits insurance companies from declining or limiting coverage because you're a living organ donor.

Insurance companies cannot:

  • Prevent you from donating all or part of an organ as a condition to buy or continue to keep a policy.
  • Discriminate against you when offering or issuing, or cancelling a policy solely based on your status as a living organ donor.
  • Charge you more for your policy or change the amount of your coverage due to your status as living organ donor.