Can a person with pre-existing conditions enroll in obamacare insurance?


Yes. Under the Affordable Care Act, 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. They also can’t charge women more than men.



Before ACA was enacted, it would be difficult for you to get your health insurance if you are suffering from pre-existing conditions. The great news is that the ACA, or Obamacare program, has been launched for years to help people with underlying medical conditions and low income to have insurance without discrimination from the other insurance programs. 


All Marketplace plans must cover treatment for pre-existing medical conditions.

No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.

Once you’re enrolled, the plan can’t deny you coverage or raise your rates based only on your health.

Medicaid and the Children's Health Insurance Program (CHIP) also can't refuse to cover you or charge you more because of your pre-existing condition.

Benefits of joining the ACA program:

Insurance premiums do not change depending on health status and age.

Everyone has the right to buy insurance if they meet the conditions. You can read the “Obamacare and what you need to know” post to get more information. 

The monthly cost for customers participating in Obamacare is lower than that of insurance plans with similar coverage because it is supported by a "premium tax credit" to help pay a part of the monthly premium.


Your health is your wealth. Hence, you should maintain and protect your "precious asset" through a comprehensive health care plan. 

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